It's not rocket science. Up here insurance companies will provide the liability insurance, and you sign up to WCB and report payroll and pay for coverage for employees. Every business that operates legally does it. I'm in Canada so your mileage may vary.
Seems when slashing down brash, besides kickback, chain throws can get nasty and potentially catch you in a bad/awkward position more easily than 'normal' saw work.
Yah I've never actually filed down abused drivrs, just run it in. Also a 'tip' is to always immediately hit the chain brake when a chain is thrown. This minimizes damage big time. Nothing infuriates me more than someone throwing a chain and then letting the sprocket spin down on its own.
Or, in a pinch. Just loosen the chain adjuster some so the chain will spin,rev it up, then re tighten. It works but I doubt it's very good for the bar. A lot faster than filing.
This one was hell bent to do damage, me or my horse must have stepped on its family or something. It came after the horse first and I think it got stung. It was kind of interesting to see how the horse seemed to know immediately this bee had intent and wasn't just doing a fly by.
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