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: 9
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: 9
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: 9
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
Watch out for this -...
rootytalbot
07-22-2015 02:13 PM
Today 08:55 AM
by ExtremeLawncareServices
5 153
Pricing issue
Mr. Mow
07-07-2015 06:15 AM
Yesterday 06:40 PM
by GreenWorx
17 564
scag SWZT review!
mattthelawnguy
07-23-2015 02:28 PM
Yesterday 06:38 PM
by mattthelawnguy
5 133
how to make customers...
Bradcook21
05-27-2015 05:04 PM
Yesterday 06:08 PM
by GreenWorx
15 2,733
Assessing the Market
NJDB60
Yesterday 03:25 PM
Yesterday 06:00 PM
by GreenWorx
1 51
NewVenture
NJDB60
Yesterday 03:38 PM
Yesterday 03:38 PM
by NJDB60
0 41
Need your help, Gopher...
Chilehead
07-23-2015 07:02 PM
Yesterday 11:28 AM
by Steve
11 205
Should I buy this Exmark...
googus
07-03-2015 09:22 AM
Yesterday 11:27 AM
by googus
8 403
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
Yesterday 11:22 AM
by Steve
94 10,206
Dogs
Mr. Mow
06-29-2015 02:37 PM
07-25-2015 07:50 AM
by Chilehead
12 2,230
Just about mid year, how...
GreenWorx
06-24-2015 07:05 PM
07-22-2015 07:31 PM
by Chilehead
14 2,296
Learning as I grow -...
WarriorLandscapingCAN
07-18-2015 07:46 AM
07-21-2015 10:53 AM
by Steve
3 148
Large dirt mound removal
purdue1973
07-09-2015 07:45 PM
07-20-2015 12:55 PM
by Steve
6 250
Hey everyone
Fantasy landscaping
07-09-2015 06:53 AM
07-09-2015 11:47 AM
by Steve
1 169
Quickbooks Online
jscarolina
07-08-2015 07:54 AM
07-08-2015 12:55 PM
by Nate10928
1 180
I dont know what to do...
Bradcook21
06-21-2015 08:49 AM
07-07-2015 09:48 PM
by SGL1
16 2,561
Start LIKING FACEBOOK...
rlclawncare123
02-26-2015 12:06 AM
07-07-2015 02:54 PM
by GreenWorx
13 3,500
Is it too late to do...
markty
06-16-2015 05:28 PM
07-07-2015 01:00 PM
by problem solver
9 2,310
Hi everyone
Mattw
07-06-2015 05:59 PM
07-07-2015 10:18 AM
by Steve
1 196
4th of July parade...
Steve
07-06-2015 10:35 AM
07-06-2015 10:35 AM
by Steve
0 140
Unemployment rates drop,...
Steve
07-02-2015 12:40 PM
07-06-2015 10:30 AM
by Steve
4 309
another newish job for me
holymoly
06-07-2015 08:34 AM
07-03-2015 02:06 PM
by American L&T
9 2,316
Before & After tree...
COREtreeservice
07-01-2015 09:20 PM
07-01-2015 09:20 PM
by COREtreeservice
0 236
Ready to learn and get...
Koley Lawn & Landscape
06-28-2015 05:16 AM
07-01-2015 11:26 AM
by Steve
8 2,084
Three Stripe Land Care...
hammr04
06-30-2015 07:19 PM
07-01-2015 11:24 AM
by Steve
1 209
Country Life Lawn Care
darleneh
06-29-2015 11:24 AM
06-30-2015 01:25 PM
by Steve
3 1,916
Rubber mulch...
avetslawncare
06-24-2015 09:28 PM
06-29-2015 09:23 PM
by Chilehead
6 2,087
» Popular Tags
accounting advertising apartment complex apartment lawn care estimate applying bark blowout bob villa collections contract help demonstration design door hangers edging employee problems equipment rental facebook flyers free lawn care google hardscapes hiring how to husqvarna hydro increase customers invoicing jobs landscape landscape services landscaping landscaping training lawn aeration lawn care lawn care busines plan lawn mowing marketing marketing secrets more customers business mr dave new business ordinance past due patio install per hour service plowing pricing quickbooks online roundup scag secrets to landscaping sell the vision seo shell shreaded small engine repair snow plowing solo solo backpack sprayer sq ft square foot swzt tree up sell employee walk behind web design website website design winterization wood
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 09:48 AM.


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

All times are GMT -5. The time now is 09:48 AM.

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