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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.
-Michael
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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
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