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.
2015 Ram 3500 6.4l hemi 4x4
BOSS 8'2" VXT
Hustler X-one 60" 3 bin bagger
Toro Proline 36" wb w/t-bar controls
Walker S14 36"
Shindaiwa T242, Echo trimmers, chainsaws, pole hedge trimmer, pole saw, hedge trimmer
Shindaiwa 633 and Echo 755