Lawn Care Business Forum Lawn Care Business Book Lawn Care Business Blog Lawn Care Software
Home Forum Contract & Flyer Templates Blog Software Videos Podcast Calculators / Estimators Store Mower Review Design It Yourself Lawn Business School

Go Back   GopherHaul Landscaping & Lawn Care Business Marketing Forum > Lawn Care, Landscaping, and Property Management Forums > General Talk

General Talk If it doesn't fit anywhere else, post it here.

General Liability Insurance


General Talk

If it doesn't fit anywhere else, post it here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 04-17-2012, 05:09 PM
steven59937 steven59937 is offline
Junior Member
 
Join Date: Jul 2011
Location: Kalispell, Montana
Posts: 10
Rep Power: 4
steven59937 is on a distinguished road
Default General Liability Insurance

Can anyone recommend or point me in a good direction for finding a insurance company for a liability coverage. And how much should it cost?
Reply With Quote

Stop guess-timating. Learn how to estimate and make money! $$$
Mow Time Estimator Lawn Care Price Estimator Mulch and Topsoil Calculator Snow Plow Estimate Calculator


  #2  
Old 04-17-2012, 05:19 PM
WorkForMySelf WorkForMySelf is offline
new member
 
Join Date: Jan 2012
Posts: 210
Rep Power: 0
WorkForMySelf is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
I was just getting ready to ask the same question.

I just got quoted $879 a year for lawn care and tree trimming liability at $500,000 coverage. The down payment is $580 this is gonna kill me since i am just getting started.
Reply With Quote
  #3  
Old 04-17-2012, 06:36 PM
blueskymowing blueskymowing is offline
Junior Member
 
Join Date: Jul 2010
Posts: 8
Rep Power: 5
blueskymowing is on a distinguished road
Default the shark suit solution?

Quote:
Originally Posted by WorkForMySelf View Post
I was just getting ready to ask the same question.

I just got quoted $879 a year for lawn care and tree trimming liability at $500,000 coverage. The down payment is $580 this is gonna kill me since i am just getting started.
I hear ya, that's why i wear a mesh shark suit to work. But that thing was $500. No wonder I can't make any money!
Reply With Quote
  #4  
Old 04-17-2012, 06:56 PM
Hedgemaster Hedgemaster is offline
new member
 
Join Date: Jul 2010
Location: Pittsburgh, PA
Posts: 2,772
Rep Power: 0
Hedgemaster is on a distinguished road
Default

Holy crap.

My policy is $350 a year for 1 million liability.

I went through Erie. We use them for out homeowners and use Allstate for our vehicles - Allstate (at least my agent) "doesn't really handle business liability insurance". My Allstate agent suggested I use someone else.

I called a few places before choosing to go with Erie. I found one that was less money, but I was getting a bad vibe. I'd rather pay more for coverage I can count on with an agent familiar with this business.

Now that I've bought my 36" walk behind, I'm going to add an "enhanced" coverage that will cover the equipment as well as a more "inclusive" coverage for property damage. I think it will add $150 to my policy.
Reply With Quote
  #5  
Old 04-17-2012, 08:41 PM
Cashin H&P Cashin H&P is offline
new member
 
Join Date: May 2011
Location: Bedford NH
Posts: 409
Rep Power: 0
Cashin H&P is on a distinguished road
Default

Find a good agent to work with. I have 1 million in liability and 1 million on my truck/trailer I pay 2200 a year for this but you NEED it. What happens if you send a rock flying into someones french doors? or worse if you hit a child with a rock. My policy cost me more then some of you because Im 19 and they usually dont insure anyone under 21 but my agent is a family friend who faught for me. Insurance is one thing you do not want to skimp on.
Reply With Quote
  #6  
Old 04-17-2012, 11:10 PM
WorkForMySelf WorkForMySelf is offline
new member
 
Join Date: Jan 2012
Posts: 210
Rep Power: 0
WorkForMySelf is on a distinguished road
Default

Quote:
Originally Posted by cashin home and property View Post
Find a good agent to work with. I have 1 million in liability and 1 million on my truck/trailer I pay 2200 a year for this but you NEED it. What happens if you send a rock flying into someones french doors? or worse if you hit a child with a rock. My policy cost me more then some of you because Im 19 and they usually dont insure anyone under 21 but my agent is a family friend who faught for me. Insurance is one thing you do not want to skimp on.
Yeah I am 24 and never had insurance before. Just the mention of trimming trees had a agent basically hang up the phone on me when i was calling around for quotes. Insurance is definitely not something to skimp on but dont file a claim unless its big. Pay cash for whatever you break if you can.
Reply With Quote
  #7  
Old 04-18-2012, 04:13 AM
CS-LawnService CS-LawnService is offline
Senior Member
 
Join Date: Sep 2011
Location: Paw Paw West Virginia
Age: 50
Posts: 133
Rep Power: 4
CS-LawnService is on a distinguished road
Default

I use Farmers and Mechanics @446 a year for 2million business liability and medical 2 million completed operations aggregate limit
__________________
Chris Hoeltke
serving Winchester Virginia and surrounding areas
C&S Lawn Service

Reply With Quote
  #8  
Old 04-18-2012, 09:32 PM
kdexpd's Avatar
kdexpd kdexpd is offline
Senior Member
 
Join Date: Mar 2009
Location: N.E. Missouri
Age: 35
Posts: 198
Rep Power: 6
kdexpd is on a distinguished road
Default

I use Farm Bureau. I pay $32 a month for 2 million liability.
__________________
Kendrick
Cedar Lawn Care Services, LLC
Kirksville, MO
Reply With Quote
  #9  
Old 04-19-2012, 04:45 PM
justin_time justin_time is offline
Justin
 
Join Date: Apr 2006
Location: French River, ON, Canada
Age: 28
Posts: 1,801
Rep Power: 0
justin_time is on a distinguished road
Default

I pay $1200/year for lawn care are snow removal for $2 mil liability here in Canada
Reply With Quote
Reply

Bookmarks

Tags
lawn care business insurance, liability insurance

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Release of Liability Form???? YoungInnovations Community Assistance 3 07-15-2009 11:41 AM
Liability choicelandscapes General Business Discussions 9 09-13-2008 05:53 AM
Liability Insurance Audit? musician/lawnman General Talk 11 07-09-2008 06:38 PM
Business Liability Insurance ABurlison General Business Discussions 22 12-10-2007 09:30 PM
Forming a Limited Liability Company (LLC) mowboy General Business Discussions 0 11-04-2005 06:33 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
John Deere z235 Deck
WesleySnips
09-29-2014 06:02 PM
Yesterday 08:54 PM
by ExtremeLawncareServices
3 174
Look out Bob Villa -...
Mr Dave
Yesterday 10:06 AM
Yesterday 08:19 PM
by Matther777
2 120
Real Estate??
tbtigers03
Yesterday 06:43 PM
Yesterday 08:17 PM
by Sprinkler Buddy
3 89
Question?what should I...
dalvan0
09-24-2014 11:10 PM
Yesterday 08:01 PM
by ExtremeLawncareServices
16 751
Kohler command carb...
ExtremeLawncareServices
09-21-2014 03:09 PM
Yesterday 07:37 PM
by ExtremeLawncareServices
25 1,102
Help a brother...
tbtigers03
09-28-2014 11:41 AM
Yesterday 06:13 PM
by tbtigers03
6 326
Hello from Kentucky
TRV
Yesterday 05:42 PM
Yesterday 05:54 PM
by Sprinkler Buddy
1 69
Sprinkler head guards...
Sprinkler Buddy
09-27-2014 04:55 AM
Yesterday 05:51 PM
by Sprinkler Buddy
4 376
Give Me Your Problems
ellakit
Yesterday 04:10 PM
Yesterday 04:10 PM
by ellakit
0 17
Say Hello !!!
Steve
03-19-2007 11:18 AM
Yesterday 03:53 PM
by ellakit
1,188 336,223
Whe does Mowing season...
jack2048
Yesterday 07:05 AM
Yesterday 02:38 PM
by Steve
3 145
Falling into business
stellarmowing
09-28-2014 04:35 PM
Yesterday 02:17 PM
by Steve
4 300
hey
sizemorelawncare
09-28-2014 08:12 PM
09-29-2014 03:10 PM
by Steve
2 234
Update on LawnsAway and...
Ian Lovejoy
09-28-2014 10:24 AM
09-29-2014 03:09 PM
by Steve
2 289
Need to figure out how...
tjslawnde
09-28-2014 10:31 AM
09-29-2014 03:05 PM
by Steve
4 304
Aerocore Deck?
wdrdoctor
09-26-2014 06:21 PM
09-29-2014 02:36 PM
by Steve
3 430
Hello from CNY
arazucontracting
09-22-2014 06:07 PM
09-29-2014 02:33 PM
by Steve
3 684
How to price lawn mowing.
jack2048
09-24-2014 04:18 PM
09-29-2014 02:27 PM
by Steve
4 534
Pricing ????
6295danny
01-14-2013 07:54 PM
09-29-2014 02:22 PM
by Steve
35 6,554
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
09-27-2014 04:11 PM
by SGL1
30 7,058
Replacing a Shindi T-27
Dan Tanner
09-13-2014 12:59 PM
09-26-2014 04:16 PM
by stevef1201
5 1,076
Looking for feed back on...
ExtremeLawncareServices
09-17-2014 08:38 AM
09-25-2014 09:18 AM
by ExtremeLawncareServices
10 1,101
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
09-25-2014 08:01 AM
by ExtremeLawncareServices
124 9,288
Trying something new,...
ExtremeLawncareServices
09-21-2014 09:07 PM
09-23-2014 11:13 AM
by Steve
4 779
This sucks...
Matther777
09-18-2014 04:56 PM
09-22-2014 08:02 PM
by ExtremeLawncareServices
11 1,161
Not sure, but anyone do...
SnowRemoval2k14
09-22-2014 12:10 AM
09-22-2014 04:49 PM
by Steve
1 722
Tribulations of working...
stevef1201
09-13-2014 08:37 AM
09-22-2014 04:45 PM
by Steve
9 1,055
Mulching beds
Bradcook21
09-21-2014 07:43 AM
09-22-2014 04:43 PM
by Steve
3 789
Scag turf tiger hydrolic...
ExtremeLawncareServices
09-04-2014 10:55 PM
09-22-2014 04:35 PM
by Steve
12 1,424
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
09-21-2014 09:23 PM
by ExtremeLawncareServices
3 1,442
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
09-19-2014 03:29 PM
by acrajchel
6 1,663
snowplowing
jshak40
09-01-2014 07:20 AM
09-19-2014 11:49 AM
by Steve
23 2,096
Lowballers scrubs &...
Darksteel
01-13-2014 07:35 AM
09-18-2014 06:32 PM
by Northwoods Outdoors
58 7,495
Hello from upstate NY!
A&MLawn&Snow
09-18-2014 11:19 AM
09-18-2014 04:10 PM
by Sprinkler Buddy
2 896
Price to apply fertilizer
SS.Lawncare
09-15-2014 11:10 AM
09-18-2014 01:16 PM
by Steve
9 1,079
Trailer tires
J.A.S.LawnService
09-01-2014 10:17 AM
09-17-2014 09:57 PM
by curts lawn care
4 1,509
new to the forum
SGlawncare
09-16-2014 11:20 PM
09-17-2014 08:29 PM
by curts lawn care
3 908
Help With Snow Blowing...
Robertf31
09-13-2014 10:55 PM
09-17-2014 12:34 PM
by Steve
11 1,267
Non-Stop Summer?
SouthallMowing
09-14-2014 10:51 PM
09-17-2014 10:48 AM
by stevef1201
6 1,023
Poll - net income
Dan5082
11-15-2010 08:08 PM
09-16-2014 04:44 PM
by jrs.landscaping
12 3,774
Getting lowballed!
PineHillLawn
06-27-2012 07:23 AM
09-16-2014 01:25 PM
by jrs.landscaping
24 5,516
Compare this summer to...
Steve
09-03-2014 12:52 PM
09-16-2014 11:20 AM
by Hanks Lawn Care Services
15 1,697
thinking about throwing...
veteranslawncaresystems
09-09-2014 10:31 PM
09-15-2014 03:41 PM
by Steve
12 1,416
Hello
Robertf31
09-12-2014 10:34 PM
09-15-2014 03:17 PM
by Steve
2 919
Newbie......Again
Jibber
09-13-2014 12:17 PM
09-15-2014 02:54 PM
by Sprinkler Buddy
2 1,045
need help with starter...
GoGreenerKS
09-12-2014 04:23 PM
09-15-2014 02:25 PM
by Steve
3 966
Brake job!
kslawn
08-30-2014 07:49 AM
09-15-2014 02:16 PM
by Steve
12 1,767
Hello
jawnebgoode
08-28-2014 08:37 PM
09-15-2014 02:15 PM
by Steve
3 1,497
Employee uniforms
Gerardo_Landscape
01-21-2014 11:11 PM
09-15-2014 02:12 PM
by Steve
5 1,563
Greetings from the north
Northwoods Outdoors
09-13-2014 08:55 AM
09-15-2014 02:07 PM
by Steve
1 910
» Popular Tags
4wd bob villa charge christmas christmas lighting collections commercial demonstration ditches employee problems estimate exmark ferris first truck fundraiser georgia gopherhaul gravely hardscapes holiday how much to charge how to how to bid hydraulic introduction kawasaki labor cost landscape services lawn lawn care lawn care busines plan lawn care business book lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website lawn care website seo leaf removal lesco lighting marketing mowing mulch estimate new buisness new mower past due patio install podcast property management company reo rotating running a business scag scag v-ride seo sprayer starting a business start up lawn care business steep lawns steve stihl tips top dresser toro trailer mate pro truck new used landscape walker won't return wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 03:18 AM.


(C) 2011 Riggs Publications - Terms of use & Privacy Policy

All times are GMT -5. The time now is 03:18 AM.

(C) 2011 Riggs Publications - Terms of use & Privacy Policy