First let me state for the record, that when I started my business from day 1 I was 100% insured and legal... now with that said, a friends nephew is trying to start a small lawn mowing business in New York state and came to me for advice, seems he wants to do it right with insurance and all yet no company will provide him insurance cause "the business is too small and too new" 2 brokers actually told him to not worry about insurance till he was at least a year in business or had over 50k in annual sales!!! I could not believe when i heard that!!! This kid is 25 years old and has worked in the industry since 18 years old. I called the local landscapers association on his behalf to get insurance company recommendations and both places turned him down!!! both cited he does not do enough business and has not been in business long enough!! For an industry that is so big on being legal and changing the publics perception of landscapers in general, I think it is awful that someone just starting out and trying to do it right has gotten so discouraged by the dead end results that is now starting to believe that maybe some of the "illegal" companies out there are a result of the same brick walls!!! Sorry to vent about this but it is discouraging to see someone try the right way to start a business and get shut out cause they are too "small" or told by professionals to not worry about insurance in the beginning.... WTF is that???? anyone else run across this type of situation?