Ok,public liability, will check that out. got to go back to the unemployment office to find out about workers comp, I do not recall this to be possible for a small operation. The choice was days help pay for the job as service provided. The only think I got going for me now is no need for the generated income. Cut use the extra income to set a solid place of work for the "family" . Fact all depend on my health. Did run on litter of trouble on a job 2 weeks back. On the tree got ill, ended using my emergency lowering line. The one the I left on the bag. Will no do that again. 10 plus minutes of panic. My ground man is a landscaping /ground guy. So, he reacted to my instructions, I did no show how f _up I was. My point, I am not doing more that I can handle. That day I drop 3 small, 1 medium, 2 big, only climb 1 halfway to cut the top of a 45' to prevent a widow maker situation. I do not want injuries or injure help, people or property. Insurance got to be financially logical. Maybe I only do the low paying jobs that big companies do overcharge. Most of those pay $450 to $650 per a full day of work no much profit to bring home after all clear.