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, 06:09 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, 06:19 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, 07:36 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, 07:56 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, 09:41 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 04-18-2012, 12:10 AM
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, 05:13 AM
CS-LawnService CS-LawnService is offline
Senior Member
 
Join Date: Sep 2011
Location: Paw Paw West Virginia
Age: 51
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, 10:32 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, 05:45 PM
justin_time justin_time is offline
Justin
 
Join Date: Apr 2006
Location: French River, ON, Canada
Age: 29
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 12:41 PM
Liability choicelandscapes General Business Discussions 9 09-13-2008 06:53 AM
Liability Insurance Audit? musician/lawnman General Talk 11 07-09-2008 07:38 PM
Business Liability Insurance ABurlison General Business Discussions 22 12-10-2007 10:30 PM
Forming a Limited Liability Company (LLC) mowboy General Business Discussions 0 11-04-2005 07:33 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Just Quit?
ringahding1
Yesterday 06:23 AM
Today 08:50 AM
by rmccutchan
9 171
Landscapers from hell!!
Chilehead
01-29-2015 03:55 PM
Today 08:17 AM
by jrs.landscaping
4 118
French gardener owner's...
didgreen
Yesterday 09:10 AM
Today 02:25 AM
by didgreen
3 84
Thanks for all the posts
WheatGrass
Yesterday 06:38 AM
Today 01:29 AM
by WheatGrass
2 82
hows it going.
uppercut
Yesterday 05:01 AM
Yesterday 11:16 PM
by uppercut
3 86
viking cyclon.
uppercut
01-29-2015 09:12 PM
Yesterday 11:11 PM
by uppercut
2 74
These are the days on...
ExtremeLawncareServices
01-11-2015 11:41 AM
Yesterday 10:26 PM
by ExtremeLawncareServices
15 851
adding something new...
veteranslawncaresystems
01-28-2015 12:13 AM
Yesterday 09:15 PM
by veteranslawncaresystems
6 198
Crunch time 2015!
Chilehead
01-29-2015 08:57 PM
Yesterday 07:51 PM
by Chilehead
2 87
Government contracts
avetslawncare
11-15-2014 08:50 AM
Yesterday 07:46 PM
by Chilehead
11 898
Lost my @#$ blower
stevef1201
01-11-2015 08:31 AM
Yesterday 04:47 PM
by Just for Cuts
3 476
whats this briggs?
uppercut
Yesterday 12:40 AM
Yesterday 02:49 PM
by Steve
1 63
Say Hello !!!
Steve
03-19-2007 12:18 PM
Yesterday 02:36 PM
by Hard-Body lawn & garden
1,202 363,954
Lawn Mowing -...
ringahding1
Yesterday 07:05 AM
Yesterday 07:05 AM
by ringahding1
0 39
TaskEasy & Plowz & Mowz...
jrwalker333
01-25-2015 01:02 PM
01-29-2015 08:14 PM
by lxarth
8 280
Contact last years...
googus
01-28-2015 09:13 AM
01-29-2015 02:29 PM
by Steve
6 250
Looking for advice on...
berryjam
01-21-2015 07:37 PM
01-29-2015 02:21 PM
by Steve
15 497
New to the forum
LCRobert
01-26-2015 10:21 PM
01-29-2015 09:11 AM
by ringahding1
7 227
What happened to Better...
Steve
01-27-2014 04:07 PM
01-28-2015 12:26 PM
by Steve
21 3,216
Lawn care truck
Steve
10-10-2009 03:40 AM
01-28-2015 12:23 PM
by Steve
44 16,104
Bidding to get other work
Rodriguez11
07-21-2011 11:52 PM
01-28-2015 12:08 PM
by Steve
29 9,483
How many contracts...
5StarLawnscaping
01-12-2015 03:51 PM
01-28-2015 11:04 AM
by ExtremeLawncareServices
10 623
"Part Timers", "Low...
doug1980
06-10-2009 12:55 PM
01-27-2015 09:01 PM
by jrs.landscaping
43 10,385
Is anyone doing mosquito...
BWild
01-27-2015 12:30 PM
01-27-2015 07:24 PM
by avetslawncare
4 164
New to group
ron@alpine
01-27-2015 08:45 AM
01-27-2015 01:29 PM
by Steve
1 135
please Help with none...
Lawnboyman1170
01-09-2015 09:46 AM
01-27-2015 01:27 PM
by Steve
13 807
does this sound good or...
Bradcook21
01-22-2015 09:24 AM
01-27-2015 07:42 AM
by ringahding1
9 360
second year advise
cmdlawncare
01-23-2015 06:22 PM
01-27-2015 07:31 AM
by ringahding1
6 309
need advise
rawssrob
02-23-2010 02:45 PM
01-23-2015 06:40 PM
by cmdlawncare
7 2,643
New to forum
ROB N
01-23-2015 08:35 AM
01-23-2015 01:53 PM
by Steve
1 193
Extending the life of...
rmccutchan
01-17-2015 12:37 AM
01-23-2015 01:43 PM
by Steve
8 441
osceola lawn service
jasa@wildblue.net
01-22-2015 03:23 PM
01-23-2015 01:38 PM
by Steve
1 199
Tax Question
Wolf4dk
01-20-2015 01:11 AM
01-22-2015 02:28 PM
by Steve
4 342
Billy Goat Vac
Mr. Mow
01-19-2015 07:42 AM
01-22-2015 02:18 PM
by Steve
6 331
Property Pricing
GVL
01-19-2015 02:46 PM
01-21-2015 02:18 PM
by Steve
5 389
Landscapers Source For...
breadcrumb
01-16-2015 02:44 PM
01-21-2015 05:55 AM
by breadcrumb
14 556
Hoa advice
Bradcook21
01-16-2015 09:36 PM
01-20-2015 04:30 PM
by Steve
4 379
My Invention
biglee
01-11-2015 07:51 PM
01-20-2015 10:16 AM
by biglee
16 707
How to beat the pre pay...
stansg1fresh
01-13-2015 04:33 PM
01-19-2015 03:38 PM
by ringahding1
3 444
Hello from Md
homey
12-17-2014 06:55 PM
01-19-2015 01:37 PM
by Steve
12 1,258
Hi from Illinois
burtle
01-02-2015 09:46 PM
01-19-2015 01:22 PM
by Steve
3 607
Hello from SW FL!!
5StarLawnscaping
12-05-2014 02:35 PM
01-19-2015 01:20 PM
by Steve
14 1,560
Another Illinoisan.....
barhopper
01-11-2015 05:38 PM
01-16-2015 04:29 PM
by Steve
10 530
marketing with pizza...
apmAkron
01-15-2015 09:57 AM
01-15-2015 06:29 PM
by Steve
4 340
CRM and Quickbooks?
5StarLawnscaping
01-15-2015 08:06 AM
01-15-2015 08:06 AM
by 5StarLawnscaping
0 272
New Member, Indiana Iraq...
Timbo
07-14-2011 09:44 AM
01-14-2015 06:14 PM
by Steve
10 3,862
check this box truck out!
BLAZIER-1991
01-07-2015 07:40 PM
01-13-2015 03:06 PM
by biglee
8 737
My community only ad...
googus
01-12-2015 09:55 AM
01-13-2015 02:44 PM
by Steve
5 430
12 Years in Business!
Chilehead
10-23-2014 09:07 AM
01-13-2015 09:37 AM
by Chilehead
18 1,934
use a small business...
BLAZIER-1991
12-25-2014 12:21 AM
01-12-2015 06:32 PM
by BLAZIER-1991
30 1,686
» Popular Tags
4wd aerocore apartment complex auger bark billy goat brushcutter blades bush collections deliquentaccounts edging employee problems equipment rental ferris first truck flyers foreman four wheel drive gopherhaul grass growing a lawn care business hills hiring husqvarna introduction john deere quik trac landscape landscape services lawn lawn care lawn care business lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care seo lawn care website lawn care website seo lawn mowing marketing mr dave mulch past due per hour charge per hour service podcast pricing profit on employee pto push versus ride reo running a business scripts seo shell small engine repair square foot steep lawns steve sulky theft toro grand stand trailer tree trimmer rack truck new used landscape up sell employee walk behind web design won't return
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 09:14 AM.


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

All times are GMT -5. The time now is 09:14 AM.

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