a you should always have insurance, insurance is not expensive fuel is expensive. A rope slipping off a log and hitting a house and they come and take your equiptment that's expensive.As someone looking to start a full time tree business, I am watching this thread with interest. One thing I'm curious about is insurance. I've been doing "side work" off the books for a few years now, but want to get insured if I go full time. Those of you with businesses, how long before you got insured and what's your coverage/premiums like (this will probably vary by region, etc)? Did you take out loans to start out for equipment, or buy as you got bigger and/or could afford it?