May be its the name your having a problem with!
I've been in the business for 2 yrs and things are great. One thing I did notice was the naming of your business has a lot to do with things. Landscaping in the eyes of the people that sit around and collect your tax money etc means creating structures according to most insurance companies (I thought that it was called hardscaping, but who am I), which inturn will increase the cost of insurance etc. I went with LawnCare and it dropped my insurance quotes quite a bit.