Low Bid Services is licensed and insured*. it says so on my business card and website. In reality, they don't have liability insurance. They don't provide health insurance or workers comp. If someone gets hurt you will likely get sued for medicals bills and lost wages. After all, there is no where else for them to go and someone has to pay. Your insurance company might help you unless you have one of those pesky policies that don't cover unlicensed and uninsured work.
*I have a driver's license and car insurance