I'm just wondering, those of you who do not do any landscape work at all in the winter, do you continue to carry your liability and property damage insurance year round? I tried to talk my insurance company into a seasonal policy but that didn't work. Now as a licensed contractor I'm required to be bonded and carry insurance year round, even though I may not be doing any landscape work at all during the winter. Has anyone heard of any insurance company providing seasonal insurance? And, the real kicker, seasonal insurance carried through an annual policy?