Danny L. Thomas
Well-Known Member
I don't know if this is in the right place or not but here goes. First off, I am not an excavation contractor. I use my equipment to maintain my roads, pastures, fencelines, etc. I recently bought a compact excavator to do some clearing in one of my pastures. I have had several neighbors notice it and ask me about doing "a little work" for them on their places. I had been in the HVAC business for 18 years and always carried contractors general liability but have been out of the business for over 10 years. My question for all the guys in the know is can you buy short term general liability for such a scenario? I doubt there would be over 3 or 4 times a year that I would haul to another farm or ranch and do a day or so worth of work so I can't see buying an annual policy. Any thoughts?