Your state financial responsibility laws apply to motor vehicles. Other than that, unless you have a pesticide license, there are no requirements. However, and it's a damn big however, good sense and sound business practice dictate general liablilty insurance with limits of $500,000/$1,000,000 at a minimum. I wouldn't start a business without proper insurance. Average premiums vary quite a bit by company, and the company I am insured through for general liability, auto and equipment does not write in Arkansas. Check with your current agent, they know the local market.