Hello, Well first i will say this site is great. Starting my own buisness the right way has been tough. I have a few questions. Here is some background first. Buisness structure Sole P. solo operation- no workers yet Maryland state of op. Want to be able to sub out work leagally. 1. Do i need a home improvement contractor Lic. to do landscape installs and Maint. If so for each state VA example also. 2. I will have 1 mil. in Gen lib. ins. this spring? is that all i need for Ins. 3. What test or Lic. do i need further?