Hi, I am starting a lawn mowing service and wondering if I actually need to pay for liability insurance for the first few month I am in business (I would like to wait to pay until I am net revenue positive). I would like to know more specifically if there is a way to successfully make it impossible for any successful lawsuits to happen by using employment contracts and a terms of use for those using my services.

What I would like to do is write a clause in my employment contracts saying we are not liable for anything that happens to you (if there is a general blanket statement I could use that would be great).

For the people using the service, I would require them to click a terms of use on my website, and in it it would include the fact that we are not liable for any damages, etc (again, any blanket statement would be amazing)

Thank you so much!!!