If I have to be 18 to get a business license, insurance, and fertilizer license, then what can I actually do? If I get the business through a parents' name, does that mean I'm an employee since I'm operating it and doing all the work. Also, do more taxes get taken out of the revenue since it's in my parents' name? How can I use the insurance if it's in my parents' name? How can I use the fertilizer license also. If I can't have one because of age, then I couldn't take the test. Does this mean I just won't be fertilizing until I'm eighteen? Am I just going to be a scrub next year and pay regular income taxes?