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 > Business > General Business Discussions

General Business Discussions A place to talk about general business discussions.

Insurance Rates!


General Business Discussions

A place to talk about general business discussions.
Reply
 
Thread Tools Search this Thread
  #1  
Old 03-26-2013, 03:59 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 Insurance Rates!

Any ones insurance renewals get jacked up this year?

My auto just renewed and it went up $900.

My business insurance isnt up yet so I dont know if thats going up.

I was just going to add another truck. Instead I'm getting new quotes.
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 03-26-2013, 04:08 PM
willshome willshome is offline
new member
 
Join Date: Jan 2012
Location: Mass
Posts: 865
Rep Power: 0
willshome is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
did they say why
I wish I could raise my rates like that
Reply With Quote
  #3  
Old 03-26-2013, 04:15 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

Nope... No tickets, no accidents, ever!

Its a nice increase of just under $300 per truck.

I was just talking to a guy at the auctions. He was asking if my rates went up and I was like no. I get my renewal bill in the mail today and my **** is jacked up.
Reply With Quote
  #4  
Old 03-26-2013, 05:51 PM
phouse65 phouse65 is offline
Member
 
Join Date: Mar 2011
Location: Canton, OHIO
Posts: 35
Rep Power: 4
phouse65 is on a distinguished road
Default Connecticut

I moved to Ohio from Connecticut for the cost of living. What I forgot about was how good Bidwell's Taverns wings are (cajun honey bbq). I hope you have been there, can not beat it.
Reply With Quote
  #5  
Old 03-26-2013, 08:52 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

No, but just wait until the health insurance increases go through. You haven't seen nuthin' yet.
Reply With Quote
  #6  
Old 03-27-2013, 05:55 AM
stevef1201 stevef1201 is offline
Senior Member
 
Join Date: Apr 2010
Location: Central Florida
Posts: 1,112
Rep Power: 6
stevef1201 is on a distinguished road
Default

900 that s great mine is 1500. 1M liability 2500. Just wait untill the gasoline tax increase hits, 4.50 a gallon or more. Oh Obamacare is going to cost me an extra 500 a month.
Yeah for the government
Reply With Quote
  #7  
Old 03-27-2013, 09:38 AM
djm2013's Avatar
djm2013 djm2013 is offline
Member
 
Join Date: Mar 2013
Location: NY
Posts: 44
Rep Power: 2
djm2013 is on a distinguished road
Default Insurance and Fuel

Call 5 diff places, and get quotes emailed to you. tell them your shopping 5 places to get better service and rates and will be deciding when all the quotes are in, 5 phone calls and make them work for you could save you hundreds of dollars, also see if they take safety class discounts, multi line, member affiliations, ask them to tell you how you can get a discount.

If you use 25 to 30 gallons of diesel in 3 days, your loosing money going to a gas station. this is not a guess or a statement coming out my mouth, ITS A FACT YOUR LOOSING MONEY.

call a fuel supply place and tell them your usage, you can get an onsite fuel tank, 12v dc pump and pay less then the stations are charging, and then have net 30 days to pay the supplier.

if they charge 3995 for a 1000 gallons, or 2000 for 500 gallons, your gonna save hundreds if your paying 4.10 or 4.15 at the pump. and a easy to write off expense for taxes.

and your not filling up with a crew in your truck on the clock watching you and making your labor profit dwindle. 2 guys 15 minutes, 30 minutes of labor at 12.00 an hour is 6 bucks every time you stop for fuel up your loosing, 18 a week 18x4 weeks, 72$ a month you loose filling up with labor in the truck, trust me, do it at the yard with an onsite tank and pump.

Have one person fill all trucks at night before they go home. or you do it. keep a lock on the pump so no one steals from you.

right now Erie insurance in ny has the lowest rates. how do i know, cause i called everyone and made them quote me plans.

for GnL insurance, Farm Family seems to be the cheapest as well.

Hope this helps
Reply With Quote
  #8  
Old 03-27-2013, 10:38 AM
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

Steve thats a $900 increase. My auto insurance is now $3600 a year for 3 trucks. I have one more unregistered that I'm not adding till winter.

GL is low under $600 a year. Doesnt renew till july.

Workers comp is $1800 a year. Doesnt renew till july.

I called a few places and used a few services that get quotes. So far everyone is quoting GL and not auto. The auto is the problem.

I was going to ad my cars to the auto but the quote one I got charges more for cars then trucks.
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
push mowing rates? NPM_LLC Online Lawn Care Estimator - Help me bid this job 9 03-19-2013 10:57 AM
Spring/fall Clean Up Rates GVL General Business Discussions 2 01-12-2012 10:22 PM
Need help with snow removal rates. MrPlow2011 Online Lawn Care Estimator - Help me bid this job 23 11-14-2011 11:48 PM
SNOW PLOWING CONTRACTS (RATES) pinkbaglady Lawn Maintenance / Lawn Renovation 11 11-10-2011 03:50 AM
Freeze ARM rates Steve Money, Finances, Stocks, Bonds, & Investments. 0 10-08-2007 08:17 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
Today 09:04 AM
by CLB454
23 6,310
Kohler command carb...
ExtremeLawncareServices
Yesterday 03:09 PM
Today 04:15 AM
by stevef1201
3 130
Not sure, but anyone do...
SnowRemoval2k14
Today 12:10 AM
Today 12:10 AM
by SnowRemoval2k14
0 62
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
Yesterday 09:23 PM
by ExtremeLawncareServices
3 894
Trying something new,...
ExtremeLawncareServices
Yesterday 09:07 PM
Yesterday 09:07 PM
by ExtremeLawncareServices
0 81
Tribulations of working...
stevef1201
09-13-2014 08:37 AM
Yesterday 10:10 AM
by stevef1201
8 569
Mulching beds
Bradcook21
Yesterday 07:43 AM
Yesterday 10:03 AM
by stevef1201
2 156
This sucks...
Matther777
09-18-2014 04:56 PM
09-20-2014 07:19 PM
by ExtremeLawncareServices
9 469
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
09-20-2014 05:39 PM
by ExtremeLawncareServices
120 8,396
Replacing a Shindi T-27
Dan Tanner
09-13-2014 12:59 PM
09-20-2014 03:16 PM
by kslawn
2 576
Scag turf tiger hydrolic...
ExtremeLawncareServices
09-04-2014 10:55 PM
09-19-2014 05:59 PM
by ExtremeLawncareServices
11 933
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
09-19-2014 03:29 PM
by acrajchel
6 1,104
snowplowing
jshak40
09-01-2014 07:20 AM
09-19-2014 11:49 AM
by Steve
23 1,492
Looking for feed back on...
ExtremeLawncareServices
09-17-2014 08:38 AM
09-19-2014 08:17 AM
by ExtremeLawncareServices
9 504
Lowballers scrubs &...
Darksteel
01-13-2014 07:35 AM
09-18-2014 06:32 PM
by Northwoods Outdoors
58 6,897
Hello from upstate NY!
A&MLawn&Snow
09-18-2014 11:19 AM
09-18-2014 04:10 PM
by Sprinkler Buddy
2 357
Price to apply fertilizer
SS.Lawncare
09-15-2014 11:10 AM
09-18-2014 01:16 PM
by Steve
9 618
Trailer tires
J.A.S.LawnService
09-01-2014 10:17 AM
09-17-2014 09:57 PM
by curts lawn care
4 1,020
new to the forum
SGlawncare
09-16-2014 11:20 PM
09-17-2014 08:29 PM
by curts lawn care
3 436
Help With Snow Blowing...
Robertf31
09-13-2014 10:55 PM
09-17-2014 12:34 PM
by Steve
11 792
Non-Stop Summer?
SouthallMowing
09-14-2014 10:51 PM
09-17-2014 10:48 AM
by stevef1201
6 574
Poll - net income
Dan5082
11-15-2010 08:08 PM
09-16-2014 04:44 PM
by jrs.landscaping
12 3,309
Getting lowballed!
PineHillLawn
06-27-2012 07:23 AM
09-16-2014 01:25 PM
by jrs.landscaping
24 5,008
Compare this summer to...
Steve
09-03-2014 12:52 PM
09-16-2014 11:20 AM
by Hanks Lawn Care Services
15 1,224
thinking about throwing...
veteranslawncaresystems
09-09-2014 10:31 PM
09-15-2014 03:41 PM
by Steve
12 902
Hello
Robertf31
09-12-2014 10:34 PM
09-15-2014 03:17 PM
by Steve
2 488
Newbie......Again
Jibber
09-13-2014 12:17 PM
09-15-2014 02:54 PM
by Sprinkler Buddy
2 588
need help with starter...
GoGreenerKS
09-12-2014 04:23 PM
09-15-2014 02:25 PM
by Steve
3 509
Brake job!
kslawn
08-30-2014 07:49 AM
09-15-2014 02:16 PM
by Steve
12 1,210
Hello
jawnebgoode
08-28-2014 08:37 PM
09-15-2014 02:15 PM
by Steve
3 979
Employee uniforms
Gerardo_Landscape
01-21-2014 11:11 PM
09-15-2014 02:12 PM
by Steve
5 1,110
Greetings from the north
Northwoods Outdoors
09-13-2014 08:55 AM
09-15-2014 02:07 PM
by Steve
1 474
darleneh
darleneh
09-15-2014 12:33 PM
09-15-2014 02:07 PM
by Sprinkler Buddy
1 472
My 1st bid
WesleySnips
06-11-2014 03:13 PM
09-15-2014 02:05 PM
by Steve
29 1,895
New Aerator
Chaz
09-09-2014 11:43 PM
09-15-2014 01:50 PM
by Steve
9 734
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
09-15-2014 01:23 PM
by stevef1201
8 1,379
getting ready to start
calebmoss
05-23-2011 09:35 PM
09-11-2014 12:21 PM
by Steve
34 11,381
Stihl pull cord replace
SGL1
09-03-2014 09:22 PM
09-10-2014 12:25 PM
by Steve
9 906
Softball field
kslawn
08-15-2014 09:28 AM
09-10-2014 12:16 PM
by Steve
18 1,650
Lawn Route Templates
Landscaper1165
08-30-2014 01:52 PM
09-09-2014 08:05 PM
by Landscaper1165
4 1,137
New truck and trailer...
Johnny Rocket
05-14-2012 03:41 PM
09-09-2014 07:23 PM
by Matther777
18 6,721
What gets you bad press?
Steve
09-09-2014 11:48 AM
09-09-2014 07:21 PM
by Matther777
2 602
Signs on your snow plow?
Steve
01-15-2007 01:07 AM
09-09-2014 11:42 AM
by Steve
19 6,349
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
09-08-2014 08:08 PM
by avetslawncare
12 1,416
New to the business
flamingyouth87
09-05-2014 11:52 AM
09-08-2014 11:55 AM
by Steve
3 816
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
09-08-2014 11:51 AM
by Steve
7 1,106
Facebook
element009
03-23-2011 08:36 AM
09-07-2014 07:35 AM
by avetslawncare
24 7,887
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
09-06-2014 02:09 PM
by Bradcook21
8 1,198
billing matters
sbuchanan8154
09-05-2014 09:56 AM
09-05-2014 03:00 PM
by Steve
3 794
Thoughts
googus
09-05-2014 07:28 AM
09-05-2014 02:23 PM
by Steve
2 733
» Popular Tags
2wd 4x4 article marketing bid birdscaping care charge collections subcontractor commercial credit card decorating ditches ecosymbiosis employee problems exmark ferris financing four wheel drive gopherhaul grass gravely hardscapes health honda how much to charge hydraulic installation landscape services lawn lawn care lawn care busines plan lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website leaf lighting brass outdoor lights marketing mechanic monthly mow mulch mulch price native plants new buisness outdoor environments past due patio install podcast promotion running a business scag scag v-ride schedule seo snow starting a business steep lawns stihl sulky theft of services toro tractor auger trailer mate pro truck new used landscape walk behind walker won't return wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 10:50 AM.


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

All times are GMT -5. The time now is 10:50 AM.

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