Decals on a truck = advertising, marketing, more customers, more revenue. Most businesses are in the business to make a profit so a $50 decal is a no brainer and a requirement if you are doing business in the state. Anyone who can afford a ZTR should be able to afford to put a magnet on the side of the truck. Insurance protects you the business operator from damages caused by yourself or employees, $1,000,000.00 liability policy is about $800 a year, again no brainer and a requirement. So if anyone sees my truck out performing lawn services on a piece of property that is not my own and I'm not in compliance with the law fill free to call your local law enforcement agency. From reading some of these experiences from other guys and my own personal experience with the MSP my set up is perfectly legal (insurance, registration),within the GCWR of my vehicle and mechanically sound and safe (pro lockers, gorilla lifts and braided cable securing everything). Where does the guy with the 3/4 ton truck pulling a trailer with (03) full size ATV's, or snowmobiles fall into the picture? Does he need a DOT sticker and a CDL to haul his toys out to play?