either use a small local agency or go with a broker who use insurance companies from all over the country. I spend less then $500 a year on insurance which covers $1 million general liability, marine policy and a couple other small things for landscaping and lawn mowing. It will go up to $900 this year to also cover hardscaping and lighting.
If your a sole proprietor is will cost $150 for the different licenses and fees.
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