Just finished my first full year in the biz. I have general liability insurance, commercial auto insurance, riders for slip/fall coverage for when I snow plow, I even have riders for my two trailers. However, I do not have Workman's comp. I was informed I didn't need it because I don't have any employees. It is just my brother and I who own and operate the company. Yes, I'm a small company. Only 9 res accounts and 1 commercial account this past year. So, now that I have a year under my belt I want to get more accounts. I've decided to try the flyers/handouts. I'm listing my services and I would like to say that I'm insured. My questions is, can I write that I'm FULLY insured? Fact of the matter is, I don't know what that means, fully insured. Is it the insurance amount, you have all possible coverage, what? I'm going to ask my insurance agent but I thought I would throw this question out there and see if I get a response by tomorrow and get others opinions. I'm finding this site and plowsite to have one thing in common, many different opinions. And yes, I have done a search and of the 5 or 6 I've looked at three didn't have anything except putting fully insured in the contract and the rest I keep getting Internet timeouts and I got feed-up with it. Any help is appreciated. Thanks.