ExpertLawns - since the fines for not having a license start at $5,000 grand and go up for every additional infraction and most licensed guys report everyone they see, you may want to rethink your position on this. I'll offer you an alternative suggestion. Become buddies with a licensed applicator in your area. Refer all your spraying to him, in exchange he'll offer mowing to you. I do this with great success for both parties involved. Explain to your customer about the fines, and that at this time, you have a guy that will take care of what needs to be done. No one breaks the law, you're happy, customer is happy. If you want to venture in the pest application side of the business down the road, then get the necessary licensing/insurance/certification to do so. Keep in mind, that the law is very specific. If you apply a pesticide for HIRE, then you need a license. It doesn't matter if the homeowner purchased the chemical or not, if he is paying you to apply it, you need a license.