Should this college student start a painting business?

My parents are landlords and I have experience working with my dad painting the interior of the units between tenants. I believe there is a need in my area for apartment painting. I have an entrepreuener mind and am willing to put in the planning to make this work. A huge bonus to this was the thought that I would have little start up costs, already having the materials in my garage at home. But I have found that I would probably need contractors insurance. This has crushed my dream. Can I just have the client sign a waiver of any liablility? I can't see it being worth my efforts if I have to come up with insurance money. I will not get hurt and will not undertake a job I can't finish. Do I need some sort of a license (NY state)? Any other expenses? I know that I will never be successful without being able to say I have insurance, but I am just looking to make money over the next 2 years while providing a great paint job this energetic student will provide. Is it worth it?

Asked By: College Painter - 12/13/2006
Best Answer - Chosen by Asker
Before you start a business would be good for you to do a 5-year business plan (see: to determine if you will be in business 5 years later. It should take you three months to prepare. I would suggest that you have health and accident insurance for yourself. Instead of hiring employees you would hire... More
Answered By: sophieb - 12/13/2006
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