Some people need insurance, some people don't.
I had a potential customer ask me if I had insurance, I said it's not required.
The customer's answer: The hell it ain't.
Not going to argue with that.
Some people think playing Russian Roulette is a good idea to.
If you are mowing you need insurance, both for yourself and any damage done to anyone/thing else.
The simplist thing, like a trimmer falling off the trailer & being struck by a following car that swerves and causes a mulit vehicle smash can go into the millions.
Some one yelling at yo, so you turn your head then then run over your own foot can have you in hospital for a long time, sooo easy to happen.