Well Rhung - this is what I would do:
I would start with the basics and see what people want and need. Start out with general services so you only need to purchase general liability insurance. The more specialized you get (like travel planning, event planning, transport, pet walking/sitting), etc means you need separate insurance policies. Dont forget to get a good accountant, legal service and someone to help with your graphics for a website, logo, etc. Its all well and good that you dont want to charge big bucks but I would make sure that all my costs are covered like: insurances, overhead, gas & tolls, maintenance, business equipment (digital, computer, fax machine/scanner, calculator), books, client files, business apparel, office supplies, legal concierge forms, online classes/concierge schools, professional fees (legal, accounting); networking & professional/ association fees for starters. Make a list of all of your expenses either using word or a software program (Quicken is good) just so you are not doing errands and creating a loss for yourself. Hope this helps a little
What you are talking about basically is what I offer in my concierge business. I started with the elderly and built on from there. If you are interested in learning about this business feel free to email me
I have a handyman and I send my montly dues to him whether he comes or not. But I do make sure he comes over monthly for an hour or two. He does the things that I cant do or dont want to do. Like moving furniture around, moves boxes from here to there. He assembles exercise equipment that I have. He has his workers do the outside pruning and planting and whatever you need. He has a list of things that are included and some that arent. So I do have to pay extra for that. But his rates are reasonable. I couldnt do without it and I am glad to pay the monthly fee.