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: 1,043
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
Building credit
Matther777
07-27-2014 05:20 PM
Today 10:29 AM
by Greg'slawnandlandscape
13 290
Gopher software
Chaz
Today 09:49 AM
Today 09:49 AM
by Chaz
0 6
Employee wont return...
Prolawnofchatt
06-13-2014 03:12 PM
Yesterday 09:59 PM
by WesleySnips
5 560
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 09:40 PM
by ExtremeLawncareServices
87 4,916
Buy a good company at a...
Steve
03-12-2011 06:38 AM
Yesterday 08:22 PM
by WesleySnips
1 1,680
Mow and leaf cleanup bid
SGL1
07-29-2014 07:28 PM
Yesterday 07:14 PM
by SGL1
23 321
Pressure Washing...
WesleySnips
Yesterday 06:13 PM
Yesterday 06:13 PM
by WesleySnips
0 41
Echo Edger 'Neutral'
WesleySnips
07-25-2014 05:28 PM
Yesterday 05:58 PM
by WesleySnips
5 217
trimming back shrubs
WesleySnips
Yesterday 06:14 AM
Yesterday 01:08 PM
by WesleySnips
3 86
Late charge
Simon Abousaada
07-30-2014 07:23 PM
Yesterday 12:41 PM
by Steve
2 90
Need input on a bid
phlawncare
07-28-2014 08:51 PM
Yesterday 05:08 AM
by kslawn
7 221
New from Texas
Livingston Lawn Care
07-25-2014 11:17 AM
07-30-2014 01:03 PM
by Steve
5 223
Single tree, mow customer
WesleySnips
06-27-2014 10:12 AM
07-30-2014 12:31 PM
by Steve
17 761
Formulas Used
BaileynSamsMum
07-29-2014 06:40 AM
07-30-2014 12:19 PM
by Steve
3 162
Spreading Weeds?
WesleySnips
07-27-2014 09:46 PM
07-30-2014 06:29 AM
by kslawn
5 195
Will summer ever come
ExtremeLawncareServices
07-29-2014 08:27 AM
07-29-2014 08:29 PM
by SGL1
5 146
From Concord NC
SouthernRootsLawnCare
07-26-2014 02:34 PM
07-29-2014 02:28 PM
by Steve
3 156
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
07-29-2014 02:28 PM
by Steve
4 211
Left handed edging with...
SGL1
07-23-2014 08:59 PM
07-28-2014 07:39 AM
by SGL1
15 399
Echo PE 266 edger
stevef1201
07-01-2014 01:28 PM
07-27-2014 10:14 PM
by WesleySnips
5 404
Texas lawn care company...
Livingston Lawn Care
07-25-2014 11:29 AM
07-27-2014 08:16 AM
by Just for Cuts
7 240
need some help geting...
dalvan0
07-13-2014 09:28 PM
07-26-2014 04:39 PM
by BLC7
7 390
new trailer help
mattthelawnguy
07-11-2014 08:21 PM
07-25-2014 06:31 PM
by mattthelawnguy
13 593
You know it;s gonna be a...
stevef1201
07-25-2014 08:50 AM
07-25-2014 01:34 PM
by Steve
1 151
Customer letters
kslawn
07-23-2014 06:17 AM
07-25-2014 01:20 PM
by Steve
5 283
Got my first lawn job...
SGL1
06-11-2014 09:19 PM
07-24-2014 07:09 PM
by SGL1
29 1,378
Need help determining...
Jbss861
07-20-2014 02:33 PM
07-24-2014 01:11 PM
by Steve
13 469
Should I ?
googus
07-22-2014 04:06 PM
07-24-2014 12:10 PM
by Steve
4 304
My First Apartment...
SSLCtn
05-26-2014 10:17 PM
07-24-2014 06:46 AM
by kslawn
15 992
Crop Rotation Techniques...
eastsidelandcare
07-17-2014 03:47 PM
07-24-2014 06:38 AM
by kslawn
3 279
Selling lawns like...
eastsidelandcare
07-17-2014 03:51 PM
07-24-2014 06:28 AM
by kslawn
3 339
Scag new "Eliminator"......
ExtremeLawncareServices
07-20-2014 10:45 AM
07-23-2014 05:37 PM
by Just for Cuts
9 400
need professional advice...
Fiddlers_green
07-20-2014 07:21 PM
07-23-2014 12:42 PM
by Steve
3 284
new to me box truck
jrayb39667
03-06-2014 10:20 PM
07-23-2014 12:40 PM
by Steve
15 1,527
Lawn Service back in...
LawnCareMan280
07-18-2014 09:00 PM
07-23-2014 11:48 AM
by Steve
4 312
Overspray?
stevef1201
07-21-2014 04:20 PM
07-23-2014 11:39 AM
by Steve
3 221
Hello Everyone! Newbie...
SLKlawn
07-17-2014 06:22 PM
07-22-2014 01:53 PM
by Steve
6 365
Proper height for lawn
rob lederhilger
05-26-2014 08:01 AM
07-21-2014 02:53 PM
by LawnDoctor
9 732
Blade sharpener
Just for Cuts
07-04-2014 12:31 PM
07-21-2014 01:48 PM
by Steve
9 597
What's my business worth?
Chaz
07-16-2014 01:35 PM
07-21-2014 01:45 PM
by Steve
4 376
1.5 Acre Jungle
WesleySnips
07-15-2014 05:57 PM
07-20-2014 11:31 AM
by ExtremeLawncareServices
21 721
Gopher schedule software
Ray
07-18-2014 04:13 PM
07-18-2014 04:13 PM
by Ray
0 271
2006 Chevy fuel pump...
KevinsLawns
07-17-2014 08:39 PM
07-18-2014 11:51 AM
by Steve
1 259
Halfway point of year!
Steve
07-01-2014 12:08 PM
07-18-2014 11:38 AM
by Steve
14 830
I got told to leave and...
gwilson98
06-16-2014 02:07 PM
07-17-2014 11:43 AM
by Steve
16 1,152
Hey guys this is the...
prmenter@gmail.com
07-07-2014 08:23 PM
07-16-2014 08:10 PM
by ExtremeLawncareServices
28 889
Mowing the hills
prmenter@gmail.com
07-08-2014 12:22 PM
07-16-2014 05:00 PM
by Just for Cuts
18 801
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-15-2014 05:38 PM
by icon2000
1,184 322,419
Classified Ad Template...
bcfb
06-05-2013 02:40 AM
07-15-2014 11:16 AM
by Steve
15 3,833
Husqvarna pz 60
CDLAWNCARE
07-06-2014 06:50 PM
07-15-2014 08:53 AM
by kslawn
10 544
» Popular Tags
4wd advertisement apartment bid article marketing auger bid butterfly gardens charge christmas lighting christmas light service courtesy call customers decorating escrow estimate exmark ferris first truck fundraiser gopherhaul grass gravely gravely 34" zero turn hills holiday holiday decorating holiday lighting how much to charge introduction john deere quik trac lawn lawn care lawn care business book lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website leaf lighting managing a lawn care business marketing mow mulch new buisness new mower outdoor environments payment podcast property management company push versus ride redmax reo scag scripts seo snow starting a business starting a lawn care business start up lawn care business steve stihl subcontractor theft toro trailer turfgrass consulting walker winter zero turn
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 10:35 AM.


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

All times are GMT -5. The time now is 10:35 AM.

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