I am not writing horror novels, nor am I paranoid, I am writing facts. I am writing tales of what have happened to real people in this industry. It is very possible. If you are curious what an oil spill cleanup fee would be, call your local environmental recovery company, and ask them what it would cost to remediate a 5 gallon oil spill in your clay soil.
I have never had to pay for an oil spill like this, and hope I never do, but I have seen what can go wrong in this industry. You don’t spent 22 years in business without learning some things.
Back in the days when I still plowed snow, I was sued three times one winter by people who claimed to have slipped and fallen in a parking lot that I had cleared. The smallest lawsuit was for $250,000. Because I had insurance, and kept very good records of the work that I did, I paid zero dollars. If I did not have insurance, I would have spent tens of thousands on lawyers to fight these cases even though I had the records to prove that I was in the right.
It seems to me that a person who only does a little bit of this work every year is the one who should be most concerned about proper insurance, as you can least afford a big expense like what will happen if something goes wrong.
There have been a number of single person operations in my area who have been forced into bankruptcy because something minor went wrong and they did not have the proper insurance for it. Some of these people lost everything they owned because they were not insured.