I just ordered the Georgia Exam study materials both the General Standards Study Guide and the Category 24 (Ornamental and Turf). I was wondering if these study guides contain information on minimum required insurance for chemical application. Will I need a separate policy for the use of these chemicals or would my general liability cover my use of these chemicals. Wish me luck in my studies...I will need it (I will use my 13 year old son as my quiz teacher as he retains everything he reads) Right now I am strictly just mowing for my clients, but I would like be be full service and offer lawn chemical applications (Total lawn care) as well. My main concern is that I do not want to have to carry 2 million in coverage to spray round up which is what I will be doing until I decide to go full service (Chemical apps and mowing). If I have to, I will sub out my larger chemical apps but would like the ability to legally spot treat areas as needed with a backpack sprayer. At the time I don't think I have the income to support going full service but would like the ability to move forward as I see my business growing and customers start asking for total lawn care. I was told a minimum of $25,000 was required to carry or dispense chemicals commercially but I am unsure if this is correct...seems a little low. Would this $25,000 be a separate rider on my general liability insurance or would it be another policy? So how many lawn service people do we have on here that sub out the fertilizer and herbicide applications, but carry a backpack sprayer on truck for spot treatment on a weekly basis?