I my opinion - and my experience bears this out - anyone that's willing to
get off their ass and WORK can make a living . Unlike those who sit on
their ass and whine about how bad things are .
Which are you , Hawke ?

Great attitude. FWIW, the whole world told me I was f$%^ing nuts when I quit
my job in 1991 to grow apples. Its been 17 years and I've never looked back.
Personally, I wouldn't worry too much about insurance until you start to
make a profit. You're taking a risk, but the scammers only go after deep
pockets. My feeling is you can easily overinsure yourself and doom any
chance of profit.

Karl