At what point did you get insurance for your business? I'm looking into starting cutting and right now it would be mostly residential, friends of a friend type of deal, but I wasn't sure on the insurance deal...TIA!

~Phillip

I did right away. If you want to be a professional in the business you should definately get it. Its a good selling point when approaching customers.

do I need to get a business licsense before I try to get insurance?

I think it depend state to state, I didn't.

I never had to and I asked my friend who is an insurance agent and he said you do not have to, but it may depend on your state. I live in TN.

What insurance agency did you get insurance from?

I have been in the business for 8 yrs. I started out when I was 14 and now 23. I didnt get workers comp. on me and my 4 employees until last yr. Liability insurance until 2 yrs ago. It is a good selling approach. I have gotten several accounts due to this. However its not with it for residential unless you have a contract or a agreement wrote up. I got mine when a few businesses I put bids in told me I had the job but had to have liability. Depends on the company or person you are mowing from. They might want just liability insurance or they might want workers comp. also. Liability covers rocks or objects shot into doors, windows or damage property also other things it covers. I have used it bout 2 times every year that I have had the liability and pretty much paid for its self. I have found that "The Hartford" is a good company for liability insurance. They will send a check to the person that has the damaged property for the company the person recomends to use to fix there property. Also I like Key Risk for workers comp. key risk will send out cds, movies, papers and etc to help better your company and employees which has been very helpful for my company.
Hope this works!