We all know you need liability insurance when you are driving around in your car. You also need liability insurance when you are running a lawn care business just in case you injury someone. But what happens if you are out on a job site working on a lawn and you get injured? Things can get really messy really quick.
A member of the Gopher Lawn Care Business Forum shared with us his experience of being injured on the job and what the fall out from it was. He wrote “I recently got hurt while working and made the mistake thinking I was covered by my wife’s health care insurance through her job. I didn’t think much more about it. Well, wouldn’t you know it, she was laid off from her job and a month later I ended up in the hospital.
I’m a type 2 diabetic and I was working on a sprinkler repair job in some brush and trees. I couldn’t see exactly what I was doing when I got a cut on the bottom of my foot. At first I thought it was poison ivy. It had all the symptoms of it so I took a little time off and went back to work a week later. Then one night I was in bed and my legs were hurting. I got up to get a heating pad and when my wife pulled the covers back she said looked at my legs and said ‘oh no we are going to the hospital!’ I lifted my leg up and and wow they were black and blue.
I got real scared and after rushed off to the hospital. When I got there the nurse looked at me and went to get the doctor right away. I didn’t even go in to the emergency room, they took me right to the ultra sound room to do a scan. Next thing I know they were pulling blood and asking a lot of questions.
I ended up in the hospital for 7 days! I had gotten a nasty infection and if I would have waited any longer I probably wouldn’t be here to write this story. Now $20,000 dollars later I’m filling for bankruptcy.
So please as you are reading this, think about it. If you were out working and got injured on the job what would YOU do? I didn’t think it would happen to me. I thought I was careful and safe. But it happened to me and it can happen to you too.
Here is a photo of my feet when I was in the ultra sound room. You can see how discolored they are.
“Both of my feet had an infection. I was lucky it was in my blood stream and that it hadn’t gotten any worse. Otherwise I wouldn’t be here to share my story.”
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