Ill honestly say, i do not have full insurance buisiness coverage yet. I will by next season since this will be my full time job then. I see tons of fliers and companies advertising pest liscense and fert app control and full insured etc, yet they hand out these cheap a$$ cards that look like some old ink jet home printer printed them with lines in it, and stickers on the back that say fert turf specialists etc . Others are xerox copies, very poor and faded out almost 80% sometimes of a clipart of a lawnmower, with a area code 856 in NJ when its for a large 609 area code , no company name or anything but fully liscensed and insured, insured what? What does fully liscensed even mean? that the business is registered? I dont consider myself the big guy at all, probably very small, but im now loosing potential clients asking for quotes on their lawn cuts to jokers i guess who were like when i started out and small. I didnt deceive people though or lie about anything. I offered no gimicks and still today, i have a VERY high end color photo, text, quality double sided letter sized folded handout and dont state im fully insured etc. Ive quoted out a guy for $1200 worth of mulching, hardscaping/patio repair, dead tree removal and minor gardening work, yet some other place comes in, drops off one mexican descent guy for a few days and i loose out on the job. They did more than i was even quoting to do as well including planting all new trees which the customer told me he didnt want to start with. Guess its pretty cheap to not even require a truck at the job and just drop a guy off with a shovel for the day and 10yrs of mulch Im being underbid on things to the point sometimes it has me very curious what theyre profit margin is, it must be nearly nothing after expenses etc.