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: 5
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: 1,236
Rep Power: 7
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: 3
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
I can't believe people...
ExtremeLawncareServices
05-25-2015 10:29 AM
Today 03:03 AM
by jrs.landscaping
7 181
Pissed off customers
stonegatedesigns
Yesterday 05:29 PM
Yesterday 09:13 PM
by Chilehead
2 75
What a JERK!
Chilehead
05-06-2015 08:13 AM
Yesterday 09:10 PM
by Chilehead
13 715
Show us your stripes
Just for Cuts
05-21-2015 03:07 PM
Yesterday 03:37 PM
by jrs.landscaping
4 145
Great start to the season
jcurr33
05-25-2015 08:49 PM
Yesterday 01:50 PM
by Steve
2 71
uploading video on here?
holymoly
05-24-2015 08:13 AM
Yesterday 01:37 PM
by Steve
2 80
new here ! need help
pgrace
05-23-2015 11:29 PM
Yesterday 01:35 PM
by Steve
1 86
Equipment dealers
mattthelawnguy
05-21-2015 04:33 PM
Yesterday 01:32 PM
by Steve
4 137
What's your next...
Steve
05-15-2015 11:54 AM
Yesterday 01:25 PM
by Steve
14 370
problems with a customer
LawnCareMan280
05-19-2015 06:28 PM
Yesterday 01:22 PM
by Steve
5 195
More Rain or Less?
Steve
05-20-2015 12:06 PM
05-24-2015 04:37 PM
by SGL1
12 264
Irrigation
pboy8634
02-21-2010 12:46 PM
05-22-2015 10:05 PM
by biglee
25 8,445
Beginner Mistakes:...
Steve
01-31-2007 11:45 AM
05-22-2015 09:58 PM
by biglee
37 9,168
Peace garden ideas
SGL1
05-13-2015 03:15 PM
05-21-2015 07:51 PM
by avetslawncare
16 510
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
05-20-2015 09:18 PM
by ExtremeLawncareServices
84 6,830
Total yard rehab
SGL1
04-23-2015 03:59 PM
05-19-2015 08:22 PM
by SGL1
15 818
Say Hello !!!
Steve
03-19-2007 11:18 AM
05-19-2015 04:12 PM
by NinaMarie86
1,223 389,907
New Lawn Service
carmelitaslawnservice
05-19-2015 10:02 AM
05-19-2015 02:51 PM
by Steve
1 121
Landscaper Jailed After...
SGL1
05-18-2015 08:15 AM
05-19-2015 02:37 PM
by Steve
5 224
Pictures of commercial...
avetslawncare
04-01-2015 09:47 PM
05-19-2015 02:29 PM
by Steve
38 2,024
feeling like im being...
Bradcook21
05-17-2015 07:33 AM
05-19-2015 02:11 PM
by Steve
6 233
good news yesterday
Bradcook21
05-17-2015 07:08 AM
05-19-2015 06:16 AM
by Bradcook21
3 164
ignition coil
jasonw
05-12-2015 05:31 PM
05-18-2015 12:07 PM
by Steve
3 278
Anyone need help? I have...
biglee
05-06-2015 12:22 PM
05-18-2015 12:06 PM
by Steve
13 707
Big (to me) mulch job
tl757
04-23-2015 05:32 PM
05-15-2015 08:46 PM
by biglee
22 1,505
big dog mowers?
Bradcook21
05-13-2015 04:03 PM
05-14-2015 10:55 AM
by Steve
4 300
Small HOA Bid
lxarth
05-06-2015 10:37 PM
05-13-2015 11:55 AM
by Steve
9 527
New company in Michigan
SEM
04-24-2015 09:27 PM
05-13-2015 11:51 AM
by Steve
11 660
Fired for refusing to...
Mr. Mow
05-09-2015 06:15 AM
05-12-2015 01:36 PM
by Steve
6 519
I have ZERO confidence...
Just for Cuts
05-01-2015 04:24 PM
05-12-2015 03:53 AM
by jrs.landscaping
31 1,124
landscape insurance
clarkslawn
03-30-2015 10:14 PM
05-11-2015 01:15 PM
by Steve
6 1,038
String trim BEFORE mow...
Mr. Mow
04-12-2015 08:13 AM
05-10-2015 07:50 PM
by ExtremeLawncareServices
9 1,078
Bought my first STIHL...
Mr. Mow
05-09-2015 06:29 AM
05-10-2015 08:36 AM
by Mr. Mow
9 428
advice wanted please and...
CHenricks
05-07-2015 08:40 PM
05-08-2015 04:20 PM
by CHenricks
7 444
Hello
SallyBorowicz
05-06-2015 11:14 AM
05-08-2015 02:21 PM
by Steve
3 354
Mower Advice
tl757
05-06-2015 02:31 PM
05-08-2015 01:45 PM
by Steve
6 480
Home today...Still...
biglee
05-06-2015 11:59 AM
05-07-2015 12:06 PM
by biglee
2 357
I'm Back With The Best...
aduttonater
02-21-2015 12:41 AM
05-07-2015 11:17 AM
by Steve
79 4,006
color fliers?
holymoly
04-18-2015 02:32 PM
05-07-2015 10:57 AM
by Steve
16 1,050
Looking good
mrsmichigan
05-06-2015 09:47 AM
05-07-2015 10:53 AM
by Steve
1 303
What are your biggest...
Steve
05-05-2015 01:24 PM
05-07-2015 10:52 AM
by Steve
2 354
is craiglist good to...
JBENI
04-16-2015 11:11 AM
05-06-2015 07:15 PM
by TheYardGuy
12 1,135
Go daddy web site and...
jcurr33
05-04-2015 06:00 PM
05-05-2015 11:57 AM
by Steve
2 380
How busy are you now?
Steve
05-04-2015 01:10 PM
05-05-2015 11:47 AM
by Steve
4 420
mowfinder
scaypa
04-27-2015 05:44 PM
05-04-2015 01:14 PM
by Steve
1 444
Latest video, Facebook...
Sprinkler Buddy
05-01-2015 06:54 AM
05-04-2015 01:09 PM
by Steve
3 414
weed
avetslawncare
04-16-2015 07:56 PM
05-01-2015 11:38 AM
by Steve
8 825
so i need somehelp with...
dalvan0
04-28-2015 07:43 PM
04-30-2015 10:55 PM
by avetslawncare
3 724
Anyone have a Lawn Care...
nishirandall
04-28-2015 08:45 PM
04-30-2015 12:00 AM
by Steve
1 489
mowing pic
joshlawncare
04-25-2015 12:34 PM
04-29-2015 10:55 PM
by Steve
5 588
» Popular Tags
aerocore apartment bid apartment lawn care estimate applying auger billy goat brushcutter blades blowout bush commercial curb appeal services deliquentaccounts demonstration ditches door hangers employee problems equipment rental estimate facebook foreman free advertising google growing a lawn care business how to husqvarna jobs john deere quik trac landscape landscape services landscaping training lawn lawn care lawn care busines plan managing a lawn care business marketing more customers business mr dave mulch new business patio install per hour service pricing pto scag secrets to landscaping sell the vision shell shreaded small engine repair snow plowing sq ft square foot starting a lawn care business steep lawns swzt theft toro toro grand stand tractor auger trailer trailer mate pro tree trimmer rack up sell employee web design website website design winterization wood wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 08:30 AM.


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

All times are GMT -5. The time now is 08:30 AM.

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