Do I Need Extra Insurance To Cover Having A Friend Cut My Lawn Weekly? 
In most California Home Owners policies there is workers compensation coverage for casual employees . If you and your friend have a contract , then your friend would be responsible for any work related injury suffered while cutting your grass . You can submit a claim for any injury sustained on your property . The amount covered will be limited by the policy . There are at least two other sources of coverage in the homeowners policy , the medical payments section and the legal liability section . The company will adjust the claim using these provisions . 