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 online now
Senior Member
 
Join Date: Apr 2010
Location: Central Florida
Posts: 1,152
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 online now
Administrator
 
Join Date: May 2003
Posts: 36,533
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: 386
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: 157
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: 157
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
Business Name
sanchez5
10-28-2014 11:55 PM
Today 10:19 AM
by jrs.landscaping
4 166
Difference between lawn...
sanchez5
Yesterday 04:20 PM
Today 05:58 AM
by Billy Goat
1 107
Gie-review / What's new...
ExtremeLawncareServices
10-25-2014 09:19 AM
Yesterday 10:35 PM
by ExtremeLawncareServices
5 381
My Newest Toy (B.P....
Dan Tanner
10-23-2014 05:50 PM
Yesterday 12:26 PM
by Steve
6 483
Pavers
crieg122
10-28-2014 02:49 PM
Yesterday 12:24 PM
by Steve
3 166
West cost lawn prices
SGlawncare
10-09-2014 09:51 PM
10-28-2014 11:08 PM
by SGlawncare
4 845
Say Hello !!!
Steve
03-19-2007 11:18 AM
10-28-2014 02:51 PM
by Steve
1,193 340,985
Help a brother...
tbtigers03
09-28-2014 11:41 AM
10-28-2014 02:38 PM
by Steve
14 1,876
Business Cards
crieg122
10-25-2014 12:03 PM
10-28-2014 02:37 PM
by crieg122
4 355
Lawn Care business...
crieg122
10-23-2014 01:23 PM
10-28-2014 11:28 AM
by crieg122
15 670
So how do you guys...
Mr. Mow
10-26-2014 07:55 AM
10-28-2014 04:56 AM
by Billy Goat
2 299
Hi Steve From West...
Mr. Mow
10-21-2014 01:59 PM
10-28-2014 01:37 AM
by Steve
3 495
Pressure Washing Like a...
TNTurf
08-01-2014 11:47 PM
10-27-2014 10:36 PM
by SGlawncare
12 1,214
new to the forum
madmedic8575
10-24-2014 02:52 PM
10-27-2014 12:14 PM
by Steve
1 314
Dealing With Gas Can...
Mr. Mow
10-21-2014 01:41 PM
10-26-2014 10:59 AM
by stevef1201
13 677
Leaf removal
madmedic8575
10-24-2014 04:14 PM
10-26-2014 07:45 AM
by Mr. Mow
5 432
raking leaves ?
robert8509
10-22-2014 09:19 PM
10-25-2014 12:09 PM
by biglee
10 586
Leaf Box & Loader Set...
ringahding1
10-21-2014 06:20 AM
10-25-2014 11:46 AM
by crieg122
6 579
hey everyone
robert8509
10-22-2014 08:16 PM
10-24-2014 11:07 PM
by robert8509
7 478
12 Years in Business!
Chilehead
10-23-2014 08:07 AM
10-23-2014 11:08 PM
by Chilehead
2 405
Cheapskate Landlord...
Mr. Mow
10-20-2014 06:33 AM
10-23-2014 05:55 PM
by biglee
13 734
Hi from SoCal
Jmoney
10-23-2014 11:29 AM
10-23-2014 12:51 PM
by Steve
1 368
Workmans compensation...
CDLAWNCARE
10-15-2014 08:05 AM
10-23-2014 12:33 PM
by Steve
5 834
Pda
stevef1201
10-18-2014 02:05 PM
10-23-2014 06:12 AM
by ringahding1
4 662
Hello, from TEXAS
sanchez5
10-17-2014 09:56 PM
10-22-2014 01:27 PM
by Steve
6 723
Organic Lawn Care...
NHray
10-17-2014 06:05 PM
10-22-2014 01:23 PM
by Steve
3 691
first year update
cmdlawncare
08-12-2014 05:41 PM
10-22-2014 07:47 AM
by ringahding1
4 1,685
What parts do you carry...
Just for Cuts
10-17-2014 09:08 AM
10-21-2014 01:36 PM
by Mr. Mow
16 968
Jungle to Beautiful
stevef1201
10-17-2014 09:54 AM
10-21-2014 01:26 PM
by stevef1201
11 831
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
10-21-2014 01:19 PM
by ExtremeLawncareServices
158 11,924
Sunny Beach Tennis...
SGL1
10-19-2014 11:24 PM
10-21-2014 01:04 PM
by SGL1
4 558
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
10-20-2014 08:34 PM
by biglee
10 2,155
Look out Bob Villa -...
Mr Dave
09-30-2014 10:06 AM
10-20-2014 05:42 PM
by SGL1
7 1,644
how to fi d commercial...
mchampion319
10-19-2014 09:50 PM
10-20-2014 04:41 PM
by Steve
1 534
Hello From Tennessee
mrmann901
10-17-2014 10:02 PM
10-20-2014 04:24 PM
by Steve
1 597
questions on order to...
jack2048
10-13-2014 11:15 AM
10-20-2014 03:27 PM
by Mr. Mow
15 1,052
This sucks...
Matther777
09-18-2014 04:56 PM
10-20-2014 02:14 PM
by Steve
14 2,576
Cement mixer
KevinsLawns
10-15-2014 08:03 PM
10-20-2014 02:11 PM
by Steve
7 783
Hello ! New guy Rob here
RWorthley1
10-17-2014 04:05 PM
10-20-2014 02:09 PM
by Steve
1 634
Snow Blowing
gwilson98
10-12-2014 02:21 PM
10-17-2014 02:51 PM
by Steve
6 967
Spreading Weeds?
WesleySnips
07-27-2014 09:46 PM
10-17-2014 07:49 AM
by SGL1
6 1,273
Grasswhoopins.com Anyone...
GRASS WHOOPINS
06-21-2011 11:38 PM
10-16-2014 01:30 PM
by ExtremeLawncareServices
42 9,676
I Want to buy old...
ExtremeLawncareServices
10-10-2014 10:04 PM
10-15-2014 09:12 PM
by ExtremeLawncareServices
6 991
Do you find weed eating...
chuck2s
10-15-2014 02:10 PM
10-15-2014 02:10 PM
by chuck2s
0 711
Incorporating &...
WesleySnips
10-01-2014 09:39 PM
10-15-2014 01:37 PM
by kslawn
20 1,840
Falling into business
stellarmowing
09-28-2014 04:35 PM
10-15-2014 05:57 AM
by ringahding1
8 1,835
Apartment Complex and...
lxarth
06-22-2011 01:10 PM
10-14-2014 06:25 PM
by jrs.landscaping
42 9,962
I LOVE hedge trimming
stevef1201
10-13-2014 09:05 AM
10-14-2014 01:06 PM
by Steve
5 846
Help with seeder...
ExtremeLawncareServices
10-09-2014 07:39 AM
10-13-2014 08:09 PM
by ExtremeLawncareServices
5 1,012
The Market watch
WesleySnips
10-12-2014 08:47 PM
10-13-2014 05:40 PM
by SGL1
3 841
» Popular Tags
2wd 4x4 aerocore apartment bid apartment lawn care estimate applying auger billy goat brushcutter bush care charge christmas deliquentaccounts equipment rental exmark ferris foreman four wheel drive gopherhaul grass gravely hills holiday how much to charge how to bid husqvarna john deere quik trac kawasaki labor cost landscape services lawn lawn care lawn care business book 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 lighting lighting brass outdoor lights managing a lawn care business marketing mowing mulch mulch estimate new buisness ordinance podcast property management company push versus ride savannah scag scripts seo shreaded snow plowing sprayer starting a business starting a lawn care business stihl sulky theft toro tractor auger trailer walk behind walker wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 11:13 AM.


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

All times are GMT -5. The time now is 11:13 AM.

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