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good thoughts, Willie. Thanks.

P/L? professional liability insurance? What we call General Liability Insurance? I have $1M, for $1200-1500, based off revenue, I believe.

That's ridiculously cheap!!! 50 cents per hour for WC/ $10 hourly wage for tree work, plus its capped! Through WA State WC I pay hourly. $3.45 or $4.35, or something close per hour.

I've thought this too, Willie. Just now though, it occurs to me that if he's more efficient, you're in a way paying more per hour, for less hours (hopefully), so it sort of a set price for the risk. Maybe a way to not feel so ripped off.

I think that my insurance is payroll based, not revenue based.

Nick, who is your insurance company, not broker? Maybe called the underwriter. I wonder if I'm in for a surprise.