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.

Need Some Help


General Talk

If it doesn't fit anywhere else, post it here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 07-19-2012, 01:26 PM
LennosLawncare LennosLawncare is offline
Junior Member
 
Join Date: Aug 2010
Posts: 1
Rep Power: 0
LennosLawncare is on a distinguished road
Default Need Some Help

I am 20 years old and I started my Lawn Care business when I was 18. I now have 35 well paying in town weekly customers.I also have some Bi-weekly Banks bank owned properties.This summer I have expanded into light landscaping such as mulch, bush trim etc. I have made several contacts with commercial properties mangers. I am well aware that a commercial manager is not going to deal with an uninsured company.I realize it is time for me to purchase liability insurance for my business. A good family friend is in charge of 10 McDonald's that I could bid on yearly. Also owning 15 condos that would need lawn and snow service. He would love to do business with me but I need insurance. These are just the properties I know that I could have. With insurance I could open my sales to many other clients. I am located in Ohio.What kinds of insurance rates could I expect to pay ?
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 07-19-2012, 02:27 PM
Sprinkler Buddy's Avatar
Sprinkler Buddy Sprinkler Buddy is offline
Senior Member
 
Join Date: May 2011
Location: Florida
Posts: 803
Rep Power: 5
Sprinkler Buddy is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
I don't know the rates in Ohio but with accounts like that I have no doubt it would be well worth getting the insurance to grow your business. All that possibility at age 20, Great Job! :-)
__________________
Don't Keep Replacing Lawn Sprinkler Heads
Protect them with "Sprinkler Buddy"
CLICK HERE > http://www.sprinklerbuddy.com
Reply With Quote
  #3  
Old 07-19-2012, 03:04 PM
Caskey Lawns & Landscapes's Avatar
Caskey Lawns & Landscapes Caskey Lawns & Landscapes is offline
Senior Member
 
Join Date: Feb 2012
Location: Gettysburg PA
Posts: 282
Rep Power: 5
Caskey Lawns & Landscapes is on a distinguished road
Default

Liability Insurance is not exspensive and a must for your business, I suggest you call an agent today and discuss it..You are risking everything if you are working on someone's property uninsured....
Reply With Quote
  #4  
Old 07-19-2012, 03:23 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

It was "time" two years ago, but better late than never.

You need to find out what type of coverage is required for the commercial work. I don't know for sure, but I think that some require higher amounts than typical "minimum" that most people get for residential mowing.

Find out if these commercial accounts require you to have workers comp insurance too.

Good luck!
Reply With Quote
  #5  
Old 07-19-2012, 04:27 PM
wat5150 wat5150 is offline
new member
 
Join Date: May 2012
Posts: 604
Rep Power: 0
wat5150 is on a distinguished road
Default

Usually commercial or town accounts want a minimum of $1,000,000 in coverage. It shouldnt be too expensive for you(and well worth it if you can land those accounts). The only one that may cost you a little more is workers comp. That can get a little pricey.
Reply With Quote
  #6  
Old 07-19-2012, 04:34 PM
shadrach's Avatar
shadrach shadrach is offline
Senior Member
 
Join Date: Mar 2010
Location: Indiana
Posts: 261
Rep Power: 7
shadrach is on a distinguished road
Default

2M/4M business liability includes spraying & 25k on equipment runs me about $650 per year. Have coverage for snow plowing too, but not sure if that part of the liability or if its rider on the commercial for the truck. Indiana if that helps
Reply With Quote
  #7  
Old 07-19-2012, 05:18 PM
Godslapper Godslapper is offline
Senior Member
 
Join Date: Jul 2012
Location: I live in a house
Age: 49
Posts: 99
Rep Power: 4
Godslapper is on a distinguished road
Default

Having insurance opens up a lot of oppertunity. You have been lucky so far. I pay about $850 a year here in NY. A lot of guys around here also have no insurance. I guess that's one of the reasons so many guys can mow a lawn for so much less than I can.

Glad to see your getting insurance. It's even more important as you build your business into something you don't want to loose. If you own anything at all, house, car, truck etc. You hope you won't need it but you never know.
Reply With Quote
Reply

Bookmarks

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

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Having an issue with...
Mr. Mow
04-27-2016 03:58 PM
04-28-2016 05:04 AM
by Sprinkler Buddy
2 86
Hello From Virginia
JJand M Lawncare
04-25-2016 01:02 PM
04-27-2016 05:20 PM
by Steve
5 113
Hello from Calgary
Freshcut
04-22-2016 06:10 PM
04-25-2016 05:46 PM
by Freshcut
2 103
knowledge is Key
Greg'slawnandlandscape
04-23-2016 02:23 AM
04-25-2016 02:40 PM
by Steve
2 104
Echo Bed Redefiner...
NPM_LLC
04-12-2016 10:54 AM
04-22-2016 06:15 PM
by Freshcut
4 302
Has anyone done a garden?
Brian3137
03-28-2016 10:42 AM
04-22-2016 04:42 PM
by biglee
13 9,729
What would you charge?
markty
04-18-2016 03:28 PM
04-22-2016 09:01 AM
by chris2500hd
6 261
Replaced Mower Engine
Sprinkler Buddy
04-15-2016 06:21 AM
04-19-2016 11:03 AM
by Sprinkler Buddy
6 244
Hello from Oklahoma
Ron Hall
03-24-2016 06:59 PM
04-16-2016 03:51 AM
by Ron Hall
9 9,451
Laying down some stripes
MATTNAPIER89
04-11-2016 09:55 PM
04-14-2016 11:55 PM
by Steve
3 319
Find out what business...
MATTNAPIER89
04-11-2016 09:58 PM
04-13-2016 12:32 PM
by MATTNAPIER89
2 277
Hello my name is Matt
MATTNAPIER89
04-11-2016 09:46 PM
04-13-2016 12:58 AM
by Steve
1 224
How to drop some...
nickeckes
04-11-2016 01:07 AM
04-12-2016 05:22 PM
by Steve
4 306
Trash Receptacle for a...
tannerduncan
04-12-2016 05:02 PM
04-12-2016 05:19 PM
by Steve
1 204
Small Project Lawn
tannerduncan
03-31-2016 08:21 PM
04-12-2016 05:16 PM
by Steve
7 9,335
Please Help! Bidding...
Dorali
02-15-2016 12:02 PM
04-06-2016 01:08 AM
by Steve
36 13,004
Hello
pbcleff
04-05-2016 07:45 PM
04-06-2016 12:35 AM
by Steve
1 398
Hello
llewelwa
03-18-2016 12:47 AM
04-05-2016 12:14 AM
by Steve
3 9,321
Poop and Scooping
llewelwa
04-01-2016 05:48 PM
04-05-2016 12:08 AM
by Steve
1 9,109
help with sole...
greenbuds
03-24-2016 12:21 PM
04-04-2016 05:33 PM
by WarriorLandscapingCAN
2 9,272
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 08:28 PM.


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

All times are GMT -5. The time now is 08:28 PM.

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