Insurance, well when I first started out, I contacted my own home owners insurance company and then they put me inline with where I could go. Also ask your banker or accountant, they are full of good resources.
On the estimating side. Different companies bid all different ways, from the square footage, to hourly, to the board foot. It's a matter of what you feel comfortable with.
I started out using a square foot method until I built up enough historical data and then I create a template based on that square footage and then it create and "time & materials" chart on another sheet.
Plus you need to take in location, dump location, operation hours, etc. There are a lot of variables to deal with than just plugging in a square foot price.
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