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: 962
Rep Power: 5
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
quickbooks users
CDLAWNCARE
Yesterday 09:03 AM
Yesterday 09:58 PM
by MBLC
3 75
this mower is driving me...
boog
04-17-2014 12:07 PM
Yesterday 08:26 PM
by boog
9 218
employee pay
4 seasons maintenance
04-10-2011 09:34 PM
Yesterday 04:40 PM
by Dan Tanner
20 6,818
What Fertilizer to Use?
acrajchel
04-07-2014 01:56 PM
Yesterday 01:19 PM
by phlawncare
17 468
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 11:13 AM
by ExtremeLawncareServices
32 1,123
Lawn Renovation
stevef1201
04-11-2014 12:00 PM
Yesterday 11:11 AM
by kslawn
10 302
danny 2
danny2
04-19-2014 10:19 PM
Yesterday 05:13 AM
by Sprinkler Buddy
2 94
I Got Taken...,
Dan Tanner
04-19-2014 06:26 AM
04-19-2014 08:15 PM
by Dan Tanner
3 155
new to this forum!
mower13126
04-18-2014 07:37 PM
04-19-2014 05:34 PM
by Sprinkler Buddy
3 115
REO calling
Dan Tanner
04-16-2014 05:03 PM
04-19-2014 11:17 AM
by kslawn
11 281
Customers droping like...
goodtimez
04-18-2014 09:53 AM
04-19-2014 08:09 AM
by CDLAWNCARE
7 191
Back for this year
xandrew245x
02-21-2014 04:30 PM
04-19-2014 07:59 AM
by xandrew245x
14 883
Any greenhouse operators...
GoGreenerKS
04-15-2014 11:21 AM
04-19-2014 07:49 AM
by CDLAWNCARE
4 151
Looking for advice on a...
Tekeda1
04-13-2014 09:53 AM
04-19-2014 04:22 AM
by Tekeda1
17 406
2.5 acre mowing
xandrew245x
04-18-2014 06:55 AM
04-18-2014 08:57 PM
by xandrew245x
6 142
Best Bulk Mulch delivery...
Steven Virgadamo
04-18-2014 09:52 AM
04-18-2014 05:34 PM
by Steve
2 77
Steve Virgadamo,...
Steven Virgadamo
04-18-2014 09:49 AM
04-18-2014 05:08 PM
by Steve
2 67
Instagram
Gerardo_Landscape
04-16-2014 11:28 AM
04-18-2014 04:51 PM
by Steve
3 114
Help with weed liability!
Prolawnofchatt
04-15-2014 09:10 AM
04-18-2014 04:47 PM
by Steve
5 203
Nationwide lawn care...
Billy Goat
04-15-2014 05:21 PM
04-18-2014 04:39 PM
by Steve
9 227
Truck Signage
Dan Tanner
04-16-2014 11:00 PM
04-18-2014 04:04 PM
by stevef1201
10 245
leaf removal
tlf59263
04-15-2014 10:00 PM
04-18-2014 03:59 PM
by stevef1201
6 197
Pay per click advertising
roostertail
02-12-2014 07:26 PM
04-17-2014 07:11 PM
by yardrate
10 616
Accepting credit cards,...
Darksteel
03-17-2014 08:01 PM
04-16-2014 01:02 PM
by jymie
15 755
Trimec
acrajchel
04-15-2014 08:24 PM
04-16-2014 11:10 AM
by Steve
3 121
Gopher Forum Discount!
BlackRain75
04-12-2014 10:44 PM
04-16-2014 10:50 AM
by Steve
9 289
hello
NFrailey
04-15-2014 01:39 PM
04-16-2014 10:48 AM
by Steve
1 107
Pricing a Mulch Job
dmcalpi
04-07-2014 02:16 PM
04-16-2014 09:40 AM
by jymie
21 656
google earth
CDLAWNCARE
04-12-2014 03:24 PM
04-16-2014 09:36 AM
by jymie
8 247
There has to be an...
CDLAWNCARE
04-14-2014 12:59 PM
04-15-2014 04:06 PM
by Dan Tanner
6 191
First Day Back!
BelleCityLawn1
04-09-2014 09:13 PM
04-15-2014 11:16 AM
by Steve
11 327
Mow America
stevegredler
04-13-2014 01:02 PM
04-14-2014 09:53 PM
by kslawn
5 230
Power Broom
acrajchel
04-14-2014 07:46 AM
04-14-2014 12:47 PM
by CDLAWNCARE
2 121
Say Hello !!!
Steve
03-19-2007 11:18 AM
04-14-2014 11:34 AM
by Steve
1,176 285,938
Equipment reviews
Greg'slawnandlandscape
04-09-2014 07:17 AM
04-14-2014 11:27 AM
by Greg'slawnandlandscape
13 485
Sulky and Turf Tracer
acrajchel
04-07-2014 01:44 PM
04-14-2014 10:51 AM
by Steve
8 381
Aerating Prices?
Dan Tanner
04-08-2014 03:16 PM
04-14-2014 10:31 AM
by Steve
13 471
Estimating help
acrajchel
04-11-2014 06:06 PM
04-14-2014 10:20 AM
by Steve
3 190
Need help bidding church...
GreenRidge Lawn&Landscape
04-07-2014 08:01 PM
04-14-2014 09:49 AM
by Steve
12 456
Hello all
Griff20114
04-12-2014 05:08 PM
04-14-2014 09:46 AM
by Steve
1 127
Step by Step Spring Lawn...
WarriorLawnscaping
04-10-2014 07:01 AM
04-14-2014 09:43 AM
by Steve
5 269
Jeff Cowden
jcowden
04-11-2014 07:27 PM
04-14-2014 09:39 AM
by Steve
1 120
Exmark Commercial 30...
Dan Tanner
04-11-2014 05:35 AM
04-14-2014 09:37 AM
by Steve
4 215
What Was Your Setup When...
superrman77
02-11-2014 10:53 AM
04-14-2014 08:04 AM
by acrajchel
21 1,623
Small guy time to get a...
googus
04-08-2014 08:16 AM
04-13-2014 07:18 PM
by A. Kulak Landscaping
9 353
Weekly vs. Bi-weekly
CDLAWNCARE
04-12-2014 01:48 PM
04-13-2014 06:03 PM
by kslawn
9 363
Weed ID help
TwinBrosLC
04-12-2014 10:39 AM
04-13-2014 07:40 AM
by stevef1201
4 187
Lexington, KY
acrajchel
04-07-2014 01:06 PM
04-11-2014 09:49 PM
by acrajchel
1 152
Food Plot Management
BlackRain75
04-11-2014 10:20 AM
04-11-2014 03:51 PM
by Steve
4 153
Estimating a job
acrajchel
04-08-2014 11:07 AM
04-11-2014 03:32 PM
by Steve
6 332
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 05:18 AM.


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

All times are GMT -5. The time now is 05:18 AM.

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