I been in the lawn service business for three years. Filed my company name with the state and county, etc. My questions is insurance. Where I live the state does not require that I have a lenience since they classified what I do as maintenance. Should I carry insurance? Nothing I can find says I have to. All my customer know I don't an are ok with that. I have two new clients that are asking what type of insurance I carry. Has any one been in this situation? And how did you handle it. Thanks for you time and reply.