In this day and age with lawsuits as they are it's hard to imagine a customer hiring a property maintenance company without true commercial liability insurance, however it does still happen.  The fact of the matter is many small contractors think that their automotive insurance policy protects them in the event of an accident.  It's very rare to find an automotive policy that does cover a vehicle when used commercially.  We carry a large umbrella policy that covers our operators and equipment for commercial use as we have for years.  We know that many companies out there require a contractor to present a certificate of insurance showing their commercial coverage before any work can begin.  We would be happy to provide you with a copy if you are interested in hiring us for your project. 

Do yourself a favor and make sure the company or individual you hire has adequate commercial liability coverage to operate on your premises and don't just take their word for it, ask to see a certificate of insurance.