I would like to get into doing pesticide and fert apps. ,but I can't apply for the license until I have insurance. My nationwide agent has tried to get someone to write me and has not had any luck. He said the problem is the chemicals ,what? Is anyone else here having this problem? I'm only a part time guy ,but I want to do it right (license, ins). So what do you all suggest? I can just do straight fertilizer without a license ,but doesn't that limit my earning potential?