As stated above it is very cheap to become a legitimate business compared to starting the rest of the business. I had around $140 in business documentation fees and my insurance covered:
$1 million general liability
$5000 marine policy(cover equipment)
one or two other things as well
One year of insurance cost me $560 for lawn and landscaping(not hardscaping).
If you only wanted lawn coverage it would have only cost $150 for me. Get quotes from a few local agents. I know Progressive won't accept first year companies and their are others that won't either.
There is an Old Blue Chair for each and every one of us, we just have to find it.
2006 GMC Sierra 2500hd crew cab with 6.0 gas
Kubota L4740 w/ loader and landscape rake
Exmark Lazer Z 60"
Toro Proline 36" wb w/t-bar controls
JS46 22" walk-behind $500 piece of $h!t, don't buy one
Echo trimmers, chainsaws, pole hedge trimmer, pole saw, hedge trimmer
Husqvarna 130BT blower