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.

Beware!


General Talk

If it doesn't fit anywhere else, post it here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 02-03-2010, 02:25 PM
mortonslawn mortonslawn is offline
Member
 
Join Date: Jan 2010
Posts: 63
Rep Power: 5
mortonslawn is on a distinguished road
Default Beware!

OMG! I just called my insurance company to find out some info on coverage for my business.

I did not know that a commerical contract could be such a pain. My insurance agent said that they get a lot of contractors that often get commercial contracts, then they go ahead and do the job, and then the customer says, "Well, you don't have enough coverage, so we're not going to pay you until you get the correct coverage". OMG! Then you're stuck with no payment, and have to get the coverage that they require.

I guess when I start doing commercial contracts, I'll get it in writing before any jobs are started that my company has enough coverage. That is just horrible! Has this ever happened to anyone??

If not, then good! Make sure you know what the commercial customer requires (in writing) of coverage before jobs are started. Wow!

Just passing on info as I get it.
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 02-03-2010, 03:16 PM
swstout's Avatar
swstout swstout is offline
Steve
 
Join Date: Jan 2009
Location: Canastota, NY
Age: 65
Posts: 1,082
Rep Power: 7
swstout is on a distinguished road
Default Insurance

Lawn care business tipsLawn Care Business Book
I supply all customers with my certificate of insurance with my bids. They have no grounds to withold funds when they know in advance what my coverage is ($1,000,000.00/$2,000,000.00)

I had one contracter why tried to delay payment. I spent the $5.00 and liened the property. I received my payment two days later.
__________________


Reply With Quote
  #3  
Old 02-03-2010, 10:34 PM
mortonslawn mortonslawn is offline
Member
 
Join Date: Jan 2010
Posts: 63
Rep Power: 5
mortonslawn is on a distinguished road
Default

Wow! That's something. I was just so shocked about hearing that, because I've been in business (residential), and I had a few questions for my insurance agent when I was in the middle of a bid. I sent over my Certificate of Insurance too. I guess I'll just ask to be sure in advance. Thanks for the advice.
Reply With Quote
  #4  
Old 02-04-2010, 03:18 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,398
Rep Power: 10
Steve has disabled reputation
Default

I just can't imagine a commercial client with holding payment until you get insurance. If they want you to have insurance and a certain amount, it's their responsibility to check it before you start working.

But who knows, I guess anything is possible and anyone can hold money for any reason. It doesn't necessarily have to be a legal reason.

Quote:
and I had a few questions for my insurance agent when I was in the middle of a bid.
What kind of issues popped up that you needed to know more about?

I be others run into the same situations.
__________________
- Subscribe to my Lawn Care Marketing Blog Feed and get daily tips sent to you. Free!
Download your Free trial of Gopher Lawn Care Software.
Reply With Quote
  #5  
Old 02-04-2010, 05:30 AM
mortonslawn mortonslawn is offline
Member
 
Join Date: Jan 2010
Posts: 63
Rep Power: 5
mortonslawn is on a distinguished road
Default

I guess the only way for the commercial client and the contractor can get confused over this is work being done in a hurry.

Oh, every time, I get something new, or modify something for my work, I call my insurance agent to make sure I'm covered. We just put on a plow on my truck, and I just wanted to ask about coverage, and rental trucks, etc. Basic snow removal questions. I want to know what's covered, and what's not so if I need additional insurance for anything, I know what to expect.
Let's say for example, I went and rented a truck with a plow to do some jobs. Then I hit something and bent the plow. My head would be full of questions. It's the middle of the night - who do I contact, is my insurance going to cover this? Will this come out of my pocket? etc. etc.
I like to also let them know what I'm up to. Last time I talked to him, I was asking about rental trucks with plows, and if I got my own.
I find that I worry about everything too much, but it is better than saying, "I should have done this, or that!".
Reply With Quote
  #6  
Old 02-04-2010, 06:24 AM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 7
cklandscapingorlando is on a distinguished road
Default

Most commercial properties will provide a bid sheet that states how much you need. If they let you work then they have to pay period.
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
BEWARE: of going into debt Steve Starting a lawn care business. 3 03-19-2014 12:45 PM
Beware of this business scam Steve General Business Discussions 0 08-08-2005 03:30 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Kohler command carb...
ExtremeLawncareServices
09-21-2014 03:09 PM
Today 12:16 PM
by ExtremeLawncareServices
5 247
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
Today 11:17 AM
by Steve
26 6,444
Trying something new,...
ExtremeLawncareServices
09-21-2014 09:07 PM
Today 11:13 AM
by Steve
4 221
Hello from CNY
arazucontracting
Yesterday 06:07 PM
Today 11:08 AM
by Steve
1 88
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 08:12 PM
by ExtremeLawncareServices
122 8,559
This sucks...
Matther777
09-18-2014 04:56 PM
Yesterday 08:02 PM
by ExtremeLawncareServices
11 596
Not sure, but anyone do...
SnowRemoval2k14
Yesterday 12:10 AM
Yesterday 04:49 PM
by Steve
1 182
Tribulations of working...
stevef1201
09-13-2014 08:37 AM
Yesterday 04:45 PM
by Steve
9 651
Mulching beds
Bradcook21
09-21-2014 07:43 AM
Yesterday 04:43 PM
by Steve
3 261
Replacing a Shindi T-27
Dan Tanner
09-13-2014 12:59 PM
Yesterday 04:36 PM
by Steve
3 650
Scag turf tiger hydrolic...
ExtremeLawncareServices
09-04-2014 10:55 PM
Yesterday 04:35 PM
by Steve
12 1,010
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
09-21-2014 09:23 PM
by ExtremeLawncareServices
3 983
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
09-19-2014 03:29 PM
by acrajchel
6 1,193
snowplowing
jshak40
09-01-2014 07:20 AM
09-19-2014 11:49 AM
by Steve
23 1,586
Looking for feed back on...
ExtremeLawncareServices
09-17-2014 08:38 AM
09-19-2014 08:17 AM
by ExtremeLawncareServices
9 591
Lowballers scrubs &...
Darksteel
01-13-2014 07:35 AM
09-18-2014 06:32 PM
by Northwoods Outdoors
58 6,999
Hello from upstate NY!
A&MLawn&Snow
09-18-2014 11:19 AM
09-18-2014 04:10 PM
by Sprinkler Buddy
2 439
Price to apply fertilizer
SS.Lawncare
09-15-2014 11:10 AM
09-18-2014 01:16 PM
by Steve
9 700
Trailer tires
J.A.S.LawnService
09-01-2014 10:17 AM
09-17-2014 09:57 PM
by curts lawn care
4 1,092
new to the forum
SGlawncare
09-16-2014 11:20 PM
09-17-2014 08:29 PM
by curts lawn care
3 514
Help With Snow Blowing...
Robertf31
09-13-2014 10:55 PM
09-17-2014 12:34 PM
by Steve
11 854
Non-Stop Summer?
SouthallMowing
09-14-2014 10:51 PM
09-17-2014 10:48 AM
by stevef1201
6 638
Poll - net income
Dan5082
11-15-2010 08:08 PM
09-16-2014 04:44 PM
by jrs.landscaping
12 3,375
Getting lowballed!
PineHillLawn
06-27-2012 07:23 AM
09-16-2014 01:25 PM
by jrs.landscaping
24 5,088
Compare this summer to...
Steve
09-03-2014 12:52 PM
09-16-2014 11:20 AM
by Hanks Lawn Care Services
15 1,289
thinking about throwing...
veteranslawncaresystems
09-09-2014 10:31 PM
09-15-2014 03:41 PM
by Steve
12 967
Hello
Robertf31
09-12-2014 10:34 PM
09-15-2014 03:17 PM
by Steve
2 550
Newbie......Again
Jibber
09-13-2014 12:17 PM
09-15-2014 02:54 PM
by Sprinkler Buddy
2 653
need help with starter...
GoGreenerKS
09-12-2014 04:23 PM
09-15-2014 02:25 PM
by Steve
3 566
Brake job!
kslawn
08-30-2014 07:49 AM
09-15-2014 02:16 PM
by Steve
12 1,294
Hello
jawnebgoode
08-28-2014 08:37 PM
09-15-2014 02:15 PM
by Steve
3 1,055
Employee uniforms
Gerardo_Landscape
01-21-2014 11:11 PM
09-15-2014 02:12 PM
by Steve
5 1,173
Greetings from the north
Northwoods Outdoors
09-13-2014 08:55 AM
09-15-2014 02:07 PM
by Steve
1 538
darleneh
darleneh
09-15-2014 12:33 PM
09-15-2014 02:07 PM
by Sprinkler Buddy
1 556
My 1st bid
WesleySnips
06-11-2014 03:13 PM
09-15-2014 02:05 PM
by Steve
29 1,972
New Aerator
Chaz
09-09-2014 11:43 PM
09-15-2014 01:50 PM
by Steve
9 793
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
09-15-2014 01:23 PM
by stevef1201
8 1,461
getting ready to start
calebmoss
05-23-2011 09:35 PM
09-11-2014 12:21 PM
by Steve
34 11,454
Stihl pull cord replace
SGL1
09-03-2014 09:22 PM
09-10-2014 12:25 PM
by Steve
9 967
Softball field
kslawn
08-15-2014 09:28 AM
09-10-2014 12:16 PM
by Steve
18 1,734
Lawn Route Templates
Landscaper1165
08-30-2014 01:52 PM
09-09-2014 08:05 PM
by Landscaper1165
4 1,222
New truck and trailer...
Johnny Rocket
05-14-2012 03:41 PM
09-09-2014 07:23 PM
by Matther777
18 6,785
What gets you bad press?
Steve
09-09-2014 11:48 AM
09-09-2014 07:21 PM
by Matther777
2 663
Signs on your snow plow?
Steve
01-15-2007 01:07 AM
09-09-2014 11:42 AM
by Steve
19 6,414
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
09-08-2014 08:08 PM
by avetslawncare
12 1,506
New to the business
flamingyouth87
09-05-2014 11:52 AM
09-08-2014 11:55 AM
by Steve
3 886
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
09-08-2014 11:51 AM
by Steve
7 1,187
Facebook
element009
03-23-2011 08:36 AM
09-07-2014 07:35 AM
by avetslawncare
24 7,956
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
09-06-2014 02:09 PM
by Bradcook21
8 1,278
billing matters
sbuchanan8154
09-05-2014 09:56 AM
09-05-2014 03:00 PM
by Steve
3 857
» Popular Tags
2wd 4x4 apartment complex article marketing bid blades charge christmas lighting collections collections subcontractor commercial credit card customers decorating ditches employee problems exmark ferris fundraiser gopherhaul grass gravely growing a lawn care business hardscapes health holiday lighting honda how much to charge installation landscape services lawn lawn care lawn care business podcast lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care seo lawn care website lawn care website seo leaf lighting brass outdoor lights marketing mow mulch new buisness past due patio install podcast promotion redmax running a business savannah scag scag v-ride schedule seo snow starting a business steep lawns stihl sulky theft of services top dresser toro truck new used landscape turfgrass consulting walk behind walker won't return
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 01:00 PM.


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

All times are GMT -5. The time now is 01:00 PM.

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