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 > Lawn Care, Landscaping, and Property Management Forums > General Talk

General Talk If it doesn't fit anywhere else, post it here.

Commercial INS


General Talk

If it doesn't fit anywhere else, post it here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 10-11-2007, 01:00 PM
pnplawn
Guest
 
Posts: n/a
Default

Honestly how many of you are Licensed and Insured ? And if you who did you get your INS through? What kinda coverage do you have?


Yes I am, I got my INS through Alstate


General Aggregate $2,000,000
Personal & Completed Operations Aggregate $1,000,000
Personal & Advertising Injury $1,000,000
Each Occurrence 1,000,000
Damage to Premisses Rented To Me. $50,000
Medical Expense for any one person $5,000
Deductible is $500.00 I wanted a lower one but they do not offer anything less then $500.00


Total Cost Of Policy was 832.89 Per Year.



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 10-11-2007, 03:04 PM
pmblair
Guest
 
Posts: n/a
Default

Lawn care business tipsLawn Care Business Book
I'm licensed... well, that is to say, I have my business license. I still have to get a contractor's license and an applicator's license before I can use any chemicals (pesticides, weed control spray, fertilizer, etc). ...and before I do that, I have to be insured... but we're working on that.

Next steps:
1. Get CUSTOMERS (other than chemical)
2. Get insurance
3. Get MORE cusomers
4. Get contractor's license
5. Get MORE CUSTOMERS
6. Take pest test
7. Get MORE CUSTOMERS
8. Get applicator's license
9. GET MORE CUSTOMERS
10. GET BETTER EQUIPMENT... THEN MORE CUSTOMERS!!!

Sound good?
Reply With Quote
  #3  
Old 10-11-2007, 06:51 PM
pnplawn
Guest
 
Posts: n/a
Default

Most commercial accounts will require you to have insurance. I suggest you get it soon as you can. I look it this way. What happens if you your mower throws a rock through plat glass window? Every seen the cost to replace set of double pain sliding glass doors? That can get into thousands of dollars. If you ever want to do any biding on city or county contracts they require you to have insurance also. Just my thoughts..

Rodman
Reply With Quote
  #4  
Old 10-11-2007, 09:19 PM
Clean Lawn Clean Lawn is offline
Members
 
Join Date: Jul 2007
Posts: 124
Rep Power: 8
Clean Lawn
Default

I am only a few months old in this business but would you all really say its necessary to have liability insurance if I am only servicing residential properties. I did a bid for Merchants when they asked but I didn't really expect to get it, since I had no idea how to bid for commercial properties.
Second, is applicator license required to lay down fertilizer or is based on law from state to state?
Last what exactly does the contractor license necessary for? Does it deal more with landscaping or some degree of landscaping?
Reply With Quote
  #5  
Old 10-11-2007, 09:33 PM
Little's's Avatar
Little's Little's is offline
Brandon
 
Join Date: Jun 2007
Location: Shasta Lake CA.
Posts: 814
Rep Power: 8
Little's is on a distinguished road
Default

Quote:
Originally Posted by [b
Quote[/b] (Clean Lawn @ Oct. 11 2007,7:19)]Last what exactly does the contractor license necessary for? Does it deal more with landscaping or some degree of landscaping?
In California, you have to have a contractors lic. if you do any job that totals $500 or more in materials and labor. If you do a big job and dont have a CL, you can get in a lot of trouble. They do lic. stings all the time.
I remember one time when I was a kid my dad was called to put in a bid at a home. After he wrote up the bid several men came out of the back room and asked him for his contractors license. He was the only one that day who actually had one. In the newspaper the next day there was an article that said the state had busted over 20 people for operating without one. Be Careful!
__________________
Northern California
Reply With Quote
  #6  
Old 10-11-2007, 10:13 PM
pnplawn
Guest
 
Posts: n/a
Default

Quote:
Originally Posted by [b
Quote[/b] (Clean Lawn @ Oct. 11 2007,10:19)]I am only a few months old in this business but would you all really say its necessary to have liability insurance if I am only servicing residential properties.
Let me ask you this. Are you ready to pay out your pocket? lets say you hit out side water tap. Hanging on the home outside the house. Hit it with your mower tire.And you did not even notice that you hit it. Home owner come home finds the house flooded. Now with out insurance how much do you think that would cost you out your pocket? Better be safe then sorry.
Reply With Quote
  #7  
Old 10-11-2007, 11:37 PM
Clean Lawn Clean Lawn is offline
Members
 
Join Date: Jul 2007
Posts: 124
Rep Power: 8
Clean Lawn
Default

I will have to check in Virginia if we need a contractor license then. My neighbor who also owns a lawn care business would know for sure but definately worth having if that is the case. OUCHIES
Yes, I understand anything can happen at any time. I've been on the other end of the stick when one of those you never think it can happen things and it does happen. I believe my neighbor said liability insurance runs about $90.00 per month and that is 1 mil coverage but I will ask my husband which liability insurance he uses with the restaurant and most likely go with them.
Now that the subject has come up regarding the insurance for commercial I am curious how does a new business like myself find out about various commercial bidding contracts? I know several folks on here are veterans and have written their own "how to with lawn care business" books but I don't want someone to point me to a book and I spend money on it and still end up with a million questions. If you guys know what I mean.



Reply With Quote
  #8  
Old 10-11-2007, 11:55 PM
pnplawn
Guest
 
Posts: n/a
Default

what county do you live in? what are the local citys near you?
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

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
My First Apartment...
SSLCtn
05-26-2014 10:17 PM
Today 06:46 AM
by kslawn
15 824
Crop Rotation Techniques...
eastsidelandcare
07-17-2014 03:47 PM
Today 06:38 AM
by kslawn
3 133
Selling lawns like...
eastsidelandcare
07-17-2014 03:51 PM
Today 06:28 AM
by kslawn
3 173
Left handed edging with...
SGL1
Yesterday 08:59 PM
Today 06:21 AM
by kslawn
1 28
Need help determining...
Jbss861
07-20-2014 02:33 PM
Yesterday 08:51 PM
by SGL1
11 245
Got my first lawn job...
SGL1
06-11-2014 09:19 PM
Yesterday 08:47 PM
by SGL1
27 1,121
Customer letters
kslawn
Yesterday 06:17 AM
Yesterday 06:17 PM
by kslawn
2 67
Scag new "Eliminator"......
ExtremeLawncareServices
07-20-2014 10:45 AM
Yesterday 05:37 PM
by Just for Cuts
9 213
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 03:55 PM
by stevef1201
75 4,281
Should I ?
googus
07-22-2014 04:06 PM
Yesterday 03:48 PM
by googus
3 113
need professional advice...
Fiddlers_green
07-20-2014 07:21 PM
Yesterday 12:42 PM
by Steve
3 142
new to me box truck
jrayb39667
03-06-2014 10:20 PM
Yesterday 12:40 PM
by Steve
15 1,318
Lawn Service back in...
LawnCareMan280
07-18-2014 09:00 PM
Yesterday 11:48 AM
by Steve
4 178
Overspray?
stevef1201
07-21-2014 04:20 PM
Yesterday 11:39 AM
by Steve
3 88
Hello Everyone! Newbie...
SLKlawn
07-17-2014 06:22 PM
07-22-2014 01:53 PM
by Steve
6 211
Proper height for lawn
rob lederhilger
05-26-2014 08:01 AM
07-21-2014 02:53 PM
by LawnDoctor
9 610
Blade sharpener
Just for Cuts
07-04-2014 12:31 PM
07-21-2014 01:48 PM
by Steve
9 450
What's my business worth?
Chaz
07-16-2014 01:35 PM
07-21-2014 01:45 PM
by Steve
4 227
Single tree, mow customer
WesleySnips
06-27-2014 10:12 AM
07-21-2014 01:04 PM
by Steve
12 501
1.5 Acre Jungle
WesleySnips
07-15-2014 05:57 PM
07-20-2014 11:31 AM
by ExtremeLawncareServices
21 528
Gopher schedule software
Ray
07-18-2014 04:13 PM
07-18-2014 04:13 PM
by Ray
0 116
2006 Chevy fuel pump...
KevinsLawns
07-17-2014 08:39 PM
07-18-2014 11:51 AM
by Steve
1 118
Halfway point of year!
Steve
07-01-2014 12:08 PM
07-18-2014 11:38 AM
by Steve
14 663
I got told to leave and...
gwilson98
06-16-2014 02:07 PM
07-17-2014 11:43 AM
by Steve
16 978
Hey guys this is the...
prmenter@gmail.com
07-07-2014 08:23 PM
07-16-2014 08:10 PM
by ExtremeLawncareServices
28 714
Mowing the hills
prmenter@gmail.com
07-08-2014 12:22 PM
07-16-2014 05:00 PM
by Just for Cuts
18 648
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-15-2014 05:38 PM
by icon2000
1,184 318,605
need some help geting...
dalvan0
07-13-2014 09:28 PM
07-15-2014 11:56 AM
by Steve
5 221
new trailer help
mattthelawnguy
07-11-2014 08:21 PM
07-15-2014 11:42 AM
by Steve
9 323
Classified Ad Template...
bcfb
06-05-2013 02:40 AM
07-15-2014 11:16 AM
by Steve
15 3,660
Husqvarna pz 60
CDLAWNCARE
07-06-2014 06:50 PM
07-15-2014 08:53 AM
by kslawn
10 397
Lowballers
Chaz
07-11-2014 03:55 PM
07-14-2014 12:27 PM
by Steve
5 328
My new side job
Sprinkler Buddy
05-10-2014 05:23 AM
07-14-2014 12:15 PM
by Steve
10 789
Illegal spraying
GoGreenerKS
07-04-2014 09:11 AM
07-13-2014 10:36 PM
by GoGreenerKS
10 508
New Mower and Trailer
Chaz
06-25-2014 12:04 PM
07-13-2014 06:25 PM
by SGL1
7 517
What Fertilizer to Use?
acrajchel
04-07-2014 01:56 PM
07-12-2014 07:36 PM
by SGL1
21 1,835
Fuel and fuel additives
SGL1
07-06-2014 10:23 AM
07-11-2014 07:53 PM
by SGL1
15 508
Questions for a patchy...
jumcgee
07-09-2014 08:42 AM
07-11-2014 12:34 PM
by Steve
1 180
toro proline blades wont...
boog
06-25-2014 06:26 PM
07-11-2014 05:28 AM
by kslawn
18 612
Contents of Marketing to...
prmenter@gmail.com
07-09-2014 05:25 PM
07-10-2014 03:23 PM
by Steve
3 269
Shindaiwa
CLB454
05-13-2014 09:04 PM
07-10-2014 03:04 PM
by Steve
14 746
Starting New in FL
mmcuttrim
08-06-2010 09:22 AM
07-10-2014 02:44 PM
by Steve
48 11,208
Bid help 45 on acre...
Priggan
06-26-2014 12:56 PM
07-09-2014 08:38 AM
by kslawn
7 491
need help bidding fence...
veteranslawncaresystems
07-03-2014 10:33 AM
07-08-2014 12:00 PM
by Steve
5 351
Trimmer or Knife?
gwilson98
07-04-2014 09:56 PM
07-07-2014 02:41 PM
by Steve
6 315
Started a New Solar Lawn...
Solar Lawn Care
06-08-2013 01:40 AM
07-07-2014 01:55 PM
by Steve
37 7,382
New Canadian Member
coppervalley
07-04-2014 02:15 PM
07-07-2014 01:12 PM
by Steve
1 217
Happy Independance...
stevef1201
07-04-2014 07:05 AM
07-07-2014 01:01 PM
by Steve
2 216
Echo PE 266 edger
stevef1201
07-01-2014 01:28 PM
07-07-2014 12:47 PM
by Steve
4 295
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
07-06-2014 01:50 PM
by SGL1
21 5,200
» Popular Tags
4wd advertisement 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 marketing mow mulch new buisness new mower organize outdoor environments payment podcast property management company push versus ride redmax reo scag schedule scripts seo snow starting a business starting a lawn care business start up lawn care business steve stihl theft toro toro grand stand trailer turfgrass consulting walker winter zero turn
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 06:47 AM.


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

All times are GMT -5. The time now is 06:47 AM.

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