In the years I've been doing this I have never once been asked if I was insured, or "licensed." A while back I think I put that on some business cards but that was years ago and I don't anymore. Am I licensed (yes I have a business tax license) am I insured (yes, I'm drowning in insurance) but I don't advertise it as it's never been an issue as far as getting customers in my area. Now I don't do very much commercial work at all but you can bet that a commercial customer is going to want to see your insurance cert.
2008 F-350 Super Duty Dually gas guzzler
14x7 landscaping trailer
12x6 P&T hydro dump trailer w/leaf box
We run Gravely ZTRs, Honda 21"s, Kawasaki trimmers, Redmax Backpacks, LittleWonder loader