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
BOSS 8'2" Power V
Hustler X-one 60"
Toro Proline 36" wb w/t-bar controls
JS46 22" walk-behind (wouldn't recommend)
Shindaiwa T254, Echo trimmers, chainsaws, pole hedge trimmer, pole saw, hedge trimmer
Shindaiwa 633 and Husqvarna 130BT blower