Right now we've just got a $1 million liability insurance policy, since all we do is maintenance and small landscaping (mulch, hedges, cleanups, etc.) Next season (2007) we're looking into getting licensed to do chemical apps and were wondering if we needed to be bonded if we start treating customers' lawns. We don't do large landscape or hardscape installs (yet). Do we need to be bonded, or should our liability insurance cover it? And if you are bonded, what types of services do you do that make your bond worth the cost, how much are you bonded for, and how much does it cost you per year? I've tried looking this up on our state's website, but I can't find a simple answer to this question. Oh, and right now we're 100% residential, but would like to start picking up commercial accounts in the next few years.