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 > Just starting your lawn care or landscaping business? > Starting a lawn care business.

Starting a lawn care business. How to start a lawn mowing business, lawn care business, or landscaping business. If you are starting a lawn care business, ask your questions here.

Insurance


Starting a lawn care business.

How to start a lawn mowing business, lawn care business, or landscaping business. If you are starting a lawn care business, ask your questions here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 02-26-2013, 09:46 AM
Hlngresh Hlngresh is offline
Junior Member
 
Join Date: Feb 2013
Posts: 4
Rep Power: 2
Hlngresh is on a distinguished road
Default Insurance

Been searching for Insurance just don't know what kind we really need.
Just starting no employees only husband and myself. Do we really need business insurance at this time? I would really like an Insurance that will cover our equipment if it is stolen from the jobsite or our home. Like at night and we are sleeping. Any recommendations will be helpful.
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 02-26-2013, 10:01 AM
stevef1201 stevef1201 is offline
Senior Member
 
Join Date: Apr 2010
Location: Central Florida
Posts: 1,040
Rep Power: 6
stevef1201 is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
YES you need liability insurance, that covers you for any damage that occurs while working, like a rock through a window. You should also have theft insurance, so if your stuff is stolen in the middle of the night (this happens more than people would like to admit) you wont be 'out'.
I got mine by calling independent agents until I found one who said that they could get it.
I got 1M in liability and 25K in theft for about 50 bucks a month, it will be differnet in your area however
Reply With Quote
  #3  
Old 02-26-2013, 10:54 AM
Hlngresh Hlngresh is offline
Junior Member
 
Join Date: Feb 2013
Posts: 4
Rep Power: 2
Hlngresh is on a distinguished road
Default

Thanks will shop around. I also found a lot of the answers to my questions by signing up for The Lawn Business School. Going to make my husband take this as well.
Reply With Quote
  #4  
Old 02-26-2013, 11:39 AM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 36,181
Rep Power: 10
Steve has disabled reputation
Default

Here is an article on my blog that may help shed more light on the topic.

16 most common Lawn Care Business Insurance questions answered.
__________________
- Subscribe to my Lawn Care Marketing Blog Feed and get daily tips sent to you. Free!
Download your Free trial of Gopher Lawn Care Software.
Reply With Quote
  #5  
Old 02-26-2013, 02:41 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: 3
Caskey Lawns & Landscapes is on a distinguished road
Default

I bundled mine with my home insurance...Check with your agent and tell them what you need.....You MUST have general liability in case something happens while on some one else's property...
Reply With Quote
  #6  
Old 02-26-2013, 04:24 PM
Greg'slawnandlandscape Greg'slawnandlandscape is offline
Senior Member
 
Join Date: Jan 2013
Location: Jacksonville north Carolina
Posts: 373
Rep Power: 2
Greg'slawnandlandscape is an unknown quantity at this point
Default

I went through Sia the work with several insurance company's it allowed me to get a Better price
Reply With Quote
  #7  
Old 02-26-2013, 04:44 PM
Billy Goat's Avatar
Billy Goat Billy Goat is offline
Senior Member
 
Join Date: Nov 2012
Posts: 136
Rep Power: 2
Billy Goat is on a distinguished road
Default

General liability 1M coverage policy should be between $50-$60 a month from a well known insurance company. The coverage should include X amount for theft or damage to your equipment. A 1M policy is the average but they do have 500K and 2M policies. From what I was quoted that a 500K policy was only $5 cheaper than a 1M policy.
Reply With Quote
  #8  
Old 02-26-2013, 05:16 PM
SECTLANDSCAPING SECTLANDSCAPING is offline
new member
 
Join Date: Jul 2009
Location: CT
Posts: 1,912
Rep Power: 0
SECTLANDSCAPING is on a distinguished road
Default

Your all forgetting commercial auto. If you get into a accident with personal insurance youll be footing the bill.
Reply With Quote
  #9  
Old 02-27-2013, 05:06 AM
Billy Goat's Avatar
Billy Goat Billy Goat is offline
Senior Member
 
Join Date: Nov 2012
Posts: 136
Rep Power: 2
Billy Goat is on a distinguished road
Default

Quote:
Originally Posted by SECTLANDSCAPING View Post
Your all forgetting commercial auto. If you get into a accident with personal insurance youll be footing the bill.
Running a legit business involves alot of legal stuff. Having the proper auto insurance is another thing on the list. This type of business will also require some kind of commercial auto insurance coverage. Your insurance agent will ask you a ton of questions to determine your rate. Just like personal auto insurance you can shop around for better rates. Remember we live a "Sue Happy Society" and its better to have more coverage than not enough.
Reply With Quote
  #10  
Old 02-27-2013, 07:10 AM
willshome willshome is offline
new member
 
Join Date: Jan 2012
Location: Mass
Posts: 865
Rep Power: 0
willshome is on a distinguished road
Default

Quote:
Originally Posted by Billy Goat View Post
"Sue Happy Society"
just wait til your driving around and someone walks out in front of you. Does not happen often when I am driving a car but all the time when I'm driving my truck. So drive careful, have to much insurance, and get a cheap dashboard cam.
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

Similar Threads
Thread Thread Starter Forum Replies Last Post
how much do you pay for insurance and what is your insurance coverage veteranslawncaresystems General Business Discussions 2 05-12-2012 03:14 PM
Insurance? Golftrick17 Starting a lawn care business. 8 03-15-2011 05:09 AM
Insurance DillonB92 Starting a lawn care business. 13 08-05-2010 10:12 PM
insurance kkkkkkk Community Assistance 5 04-15-2010 11:27 AM
Insurance Steve General Talk 5 02-15-2007 10:30 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Watch Transformers Age...
amandeep8921
Today 08:43 AM
Today 08:43 AM
by amandeep8921
0 7
Left handed edging with...
SGL1
Yesterday 08:59 PM
Today 08:20 AM
by SGL1
2 48
Need help determining...
Jbss861
07-20-2014 02:33 PM
Today 06:54 AM
by kslawn
12 260
My First Apartment...
SSLCtn
05-26-2014 10:17 PM
Today 06:46 AM
by kslawn
15 835
Crop Rotation Techniques...
eastsidelandcare
07-17-2014 03:47 PM
Today 06:38 AM
by kslawn
3 145
Selling lawns like...
eastsidelandcare
07-17-2014 03:51 PM
Today 06:28 AM
by kslawn
3 185
Got my first lawn job...
SGL1
06-11-2014 09:19 PM
Yesterday 08:47 PM
by SGL1
27 1,128
Customer letters
kslawn
Yesterday 06:17 AM
Yesterday 06:17 PM
by kslawn
2 72
Scag new "Eliminator"......
ExtremeLawncareServices
07-20-2014 10:45 AM
Yesterday 05:37 PM
by Just for Cuts
9 218
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 03:55 PM
by stevef1201
75 4,289
Should I ?
googus
07-22-2014 04:06 PM
Yesterday 03:48 PM
by googus
3 118
need professional advice...
Fiddlers_green
07-20-2014 07:21 PM
Yesterday 12:42 PM
by Steve
3 148
new to me box truck
jrayb39667
03-06-2014 10:20 PM
Yesterday 12:40 PM
by Steve
15 1,322
Lawn Service back in...
LawnCareMan280
07-18-2014 09:00 PM
Yesterday 11:48 AM
by Steve
4 182
Overspray?
stevef1201
07-21-2014 04:20 PM
Yesterday 11:39 AM
by Steve
3 91
Hello Everyone! Newbie...
SLKlawn
07-17-2014 06:22 PM
07-22-2014 01:53 PM
by Steve
6 215
Proper height for lawn
rob lederhilger
05-26-2014 08:01 AM
07-21-2014 02:53 PM
by LawnDoctor
9 614
Blade sharpener
Just for Cuts
07-04-2014 12:31 PM
07-21-2014 01:48 PM
by Steve
9 453
What's my business worth?
Chaz
07-16-2014 01:35 PM
07-21-2014 01:45 PM
by Steve
4 230
Single tree, mow customer
WesleySnips
06-27-2014 10:12 AM
07-21-2014 01:04 PM
by Steve
12 504
1.5 Acre Jungle
WesleySnips
07-15-2014 05:57 PM
07-20-2014 11:31 AM
by ExtremeLawncareServices
21 530
Gopher schedule software
Ray
07-18-2014 04:13 PM
07-18-2014 04:13 PM
by Ray
0 120
2006 Chevy fuel pump...
KevinsLawns
07-17-2014 08:39 PM
07-18-2014 11:51 AM
by Steve
1 120
Halfway point of year!
Steve
07-01-2014 12:08 PM
07-18-2014 11:38 AM
by Steve
14 665
I got told to leave and...
gwilson98
06-16-2014 02:07 PM
07-17-2014 11:43 AM
by Steve
16 983
Hey guys this is the...
prmenter@gmail.com
07-07-2014 08:23 PM
07-16-2014 08:10 PM
by ExtremeLawncareServices
28 716
Mowing the hills
prmenter@gmail.com
07-08-2014 12:22 PM
07-16-2014 05:00 PM
by Just for Cuts
18 652
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-15-2014 05:38 PM
by icon2000
1,184 318,636
need some help geting...
dalvan0
07-13-2014 09:28 PM
07-15-2014 11:56 AM
by Steve
5 224
new trailer help
mattthelawnguy
07-11-2014 08:21 PM
07-15-2014 11:42 AM
by Steve
9 326
Classified Ad Template...
bcfb
06-05-2013 02:40 AM
07-15-2014 11:16 AM
by Steve
15 3,662
Husqvarna pz 60
CDLAWNCARE
07-06-2014 06:50 PM
07-15-2014 08:53 AM
by kslawn
10 400
Lowballers
Chaz
07-11-2014 03:55 PM
07-14-2014 12:27 PM
by Steve
5 331
My new side job
Sprinkler Buddy
05-10-2014 05:23 AM
07-14-2014 12:15 PM
by Steve
10 791
Illegal spraying
GoGreenerKS
07-04-2014 09:11 AM
07-13-2014 10:36 PM
by GoGreenerKS
10 512
New Mower and Trailer
Chaz
06-25-2014 12:04 PM
07-13-2014 06:25 PM
by SGL1
7 522
What Fertilizer to Use?
acrajchel
04-07-2014 01:56 PM
07-12-2014 07:36 PM
by SGL1
21 1,838
Fuel and fuel additives
SGL1
07-06-2014 10:23 AM
07-11-2014 07:53 PM
by SGL1
15 512
Questions for a patchy...
jumcgee
07-09-2014 08:42 AM
07-11-2014 12:34 PM
by Steve
1 182
toro proline blades wont...
boog
06-25-2014 06:26 PM
07-11-2014 05:28 AM
by kslawn
18 614
Contents of Marketing to...
prmenter@gmail.com
07-09-2014 05:25 PM
07-10-2014 03:23 PM
by Steve
3 272
Shindaiwa
CLB454
05-13-2014 09:04 PM
07-10-2014 03:04 PM
by Steve
14 749
Starting New in FL
mmcuttrim
08-06-2010 09:22 AM
07-10-2014 02:44 PM
by Steve
48 11,213
Bid help 45 on acre...
Priggan
06-26-2014 12:56 PM
07-09-2014 08:38 AM
by kslawn
7 494
need help bidding fence...
veteranslawncaresystems
07-03-2014 10:33 AM
07-08-2014 12:00 PM
by Steve
5 353
Trimmer or Knife?
gwilson98
07-04-2014 09:56 PM
07-07-2014 02:41 PM
by Steve
6 318
Started a New Solar Lawn...
Solar Lawn Care
06-08-2013 01:40 AM
07-07-2014 01:55 PM
by Steve
37 7,384
New Canadian Member
coppervalley
07-04-2014 02:15 PM
07-07-2014 01:12 PM
by Steve
1 219
Happy Independance...
stevef1201
07-04-2014 07:05 AM
07-07-2014 01:01 PM
by Steve
2 218
Echo PE 266 edger
stevef1201
07-01-2014 01:28 PM
07-07-2014 12:47 PM
by Steve
4 298
» Popular Tags
34'' ads blades butterfly gardens charge christmas christmas light hanging credit card customers ditches employee problems exmark fall ferris financing first truck franchise georgia gopherhaul grass gravely growing a lawn care business health holiday how much to charge installation invoice kansas city lawn lawn care business podcast 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 lighting brass outdoor lights marketing mechanic monthly mow mowing mulch price new and restored landscapes new buisness new business organize podcast promotion pto riding mower running a business savannah scag schedule seo social media starting a business start up lawn care business steep lawns stihl sulky top dresser toro toro grand stand tree care trimmer rack walker winter services
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 09:59 AM.


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

All times are GMT -5. The time now is 09:59 AM.

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