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.
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