Do I Need Extra Insurance To Cover Having A Friend Cut My Lawn Weekly? 
Is your friend in business as a `` yard man '' or landscape maintenance ? If so your friend needs to have liability insurance to cover any damage they may do to you or your property and their own health insurance to cover any injuries to them self . If it 's just a friend doing a favor for you you should check your homeowners insurance to see how much and what is covered in case of an accident . Or if you have an umbrella or property & casualty policy check to see what it will cover . In other words check what you already have before deciding if you need more . 