My 14 year old boy started a lawn care biz this summer, 4 residential yards, 15 open lots, and one boulevard stretch. He was servicing a duplex, and got a rock with his string trimmer, and it broke the tenants van window. He notified them right away and explained we would take care of it. They were very nice about it. I need help figuring out how to replace this? Are we on the whole hook since we don't have biz insurance (I know, I know)? Their car insurance cover this (I'm guessing we would have to cover deductible)? Duplex owners insurance might come into play? How much is mowing insurance? Lol. He is distraught over this.:frown: