Old thread but there seems to be quite a jump here. Lots of stuff calling for fairly large investment on a part time, up and comer.
I found this because I am in the same dilemma. I want to get my name out there, around the area I live, which is outside the service area of the company I work for.
I'm not large enough to afford all the "proper" things a business needs to have. I won't expand on that on the www. You get what I mean. That is my goal, to at least make enough to take it to the next level to where I can justify carrying all the proper things a business should have.
In the mean time, I'm looking at getting my name out there and wanted to research the subject, thus bringing up and old thread.
I have business cards that I hand out to those that ask, and for referrals for the few jobs I have done, but nothing right now.
So, the question remains, how to get the coverage you want (more business) without seeming to be something you're not (a full blown company). Do you just wade through the ones that ask for liability insurance and such until you make enough, steady enough, to warrant a plan? I haven't had anything come up where I figure I might need it for property damage, but I am smart enough to walk away if I think there's risk involved that exceeds what's in my wallet at the time. It's not something I think about at work "oh it's ok if something goes wrong, we have insurance", but it is something I think about NOT having while doing side work, even though I haven't felt like I was in a situation that could go sour.
Sorry, I just feel like I'm in an area that's ripe for the picking, but very few servicing the area. I've moved back "home" to NC from MN since starting tree work, and trying to get a foot hold, to at least stay busy on off days, or some of them anyway.