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: 36,431
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
Incorporating &...
WesleySnips
Today 09:39 PM
Today 09:39 PM
by WesleySnips
0 14
Hello from Kentucky
TRV
Yesterday 05:42 PM
Today 09:21 PM
by TRV
3 135
Mowing the hills
EyeCatchersNow
07-08-2014 12:22 PM
Today 05:57 PM
by Steve
21 1,852
Real Estate??
tbtigers03
Yesterday 06:43 PM
Today 05:01 PM
by stevef1201
5 190
John Deere z235 Deck
WesleySnips
09-29-2014 06:02 PM
Today 04:38 PM
by WesleySnips
5 240
Sprinkler head guards...
Sprinkler Buddy
09-27-2014 04:55 AM
Today 02:50 PM
by Sprinkler Buddy
6 441
Look out Bob Villa -...
Mr Dave
Yesterday 10:06 AM
Today 02:19 PM
by Steve
5 208
Question?what should I...
dalvan0
09-24-2014 11:10 PM
Today 01:39 PM
by Steve
17 831
Whe does Mowing season...
jack2048
Yesterday 07:05 AM
Today 01:38 PM
by jack2048
4 206
Kohler command carb...
ExtremeLawncareServices
09-21-2014 03:09 PM
Today 01:30 PM
by Steve
26 1,170
Help a brother...
tbtigers03
09-28-2014 11:41 AM
Today 01:26 PM
by Steve
7 395
Give Me Your Problems
ellakit
Yesterday 04:10 PM
Yesterday 04:10 PM
by ellakit
0 17
Say Hello !!!
Steve
03-19-2007 11:18 AM
Yesterday 03:53 PM
by ellakit
1,188 336,294
Falling into business
stellarmowing
09-28-2014 04:35 PM
Yesterday 02:17 PM
by Steve
4 352
hey
sizemorelawncare
09-28-2014 08:12 PM
09-29-2014 03:10 PM
by Steve
2 284
Update on LawnsAway and...
Ian Lovejoy
09-28-2014 10:24 AM
09-29-2014 03:09 PM
by Steve
2 337
Need to figure out how...
tjslawnde
09-28-2014 10:31 AM
09-29-2014 03:05 PM
by Steve
4 346
Aerocore Deck?
wdrdoctor
09-26-2014 06:21 PM
09-29-2014 02:36 PM
by Steve
3 474
Hello from CNY
arazucontracting
09-22-2014 06:07 PM
09-29-2014 02:33 PM
by Steve
3 727
How to price lawn mowing.
jack2048
09-24-2014 04:18 PM
09-29-2014 02:27 PM
by Steve
4 588
Pricing ????
6295danny
01-14-2013 07:54 PM
09-29-2014 02:22 PM
by Steve
35 6,599
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
09-27-2014 04:11 PM
by SGL1
30 7,131
Replacing a Shindi T-27
Dan Tanner
09-13-2014 12:59 PM
09-26-2014 04:16 PM
by stevef1201
5 1,111
Looking for feed back on...
ExtremeLawncareServices
09-17-2014 08:38 AM
09-25-2014 09:18 AM
by ExtremeLawncareServices
10 1,138
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
09-25-2014 08:01 AM
by ExtremeLawncareServices
124 9,341
Trying something new,...
ExtremeLawncareServices
09-21-2014 09:07 PM
09-23-2014 11:13 AM
by Steve
4 821
This sucks...
Matther777
09-18-2014 04:56 PM
09-22-2014 08:02 PM
by ExtremeLawncareServices
11 1,198
Not sure, but anyone do...
SnowRemoval2k14
09-22-2014 12:10 AM
09-22-2014 04:49 PM
by Steve
1 768
Tribulations of working...
stevef1201
09-13-2014 08:37 AM
09-22-2014 04:45 PM
by Steve
9 1,099
Mulching beds
Bradcook21
09-21-2014 07:43 AM
09-22-2014 04:43 PM
by Steve
3 836
Scag turf tiger hydrolic...
ExtremeLawncareServices
09-04-2014 10:55 PM
09-22-2014 04:35 PM
by Steve
12 1,465
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
09-21-2014 09:23 PM
by ExtremeLawncareServices
3 1,499
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
09-19-2014 03:29 PM
by acrajchel
6 1,717
snowplowing
jshak40
09-01-2014 07:20 AM
09-19-2014 11:49 AM
by Steve
23 2,149
Lowballers scrubs &...
Darksteel
01-13-2014 07:35 AM
09-18-2014 06:32 PM
by Northwoods Outdoors
58 7,545
Hello from upstate NY!
A&MLawn&Snow
09-18-2014 11:19 AM
09-18-2014 04:10 PM
by Sprinkler Buddy
2 933
Price to apply fertilizer
SS.Lawncare
09-15-2014 11:10 AM
09-18-2014 01:16 PM
by Steve
9 1,116
Trailer tires
J.A.S.LawnService
09-01-2014 10:17 AM
09-17-2014 09:57 PM
by curts lawn care
4 1,548
new to the forum
SGlawncare
09-16-2014 11:20 PM
09-17-2014 08:29 PM
by curts lawn care
3 942
Help With Snow Blowing...
Robertf31
09-13-2014 10:55 PM
09-17-2014 12:34 PM
by Steve
11 1,312
Non-Stop Summer?
SouthallMowing
09-14-2014 10:51 PM
09-17-2014 10:48 AM
by stevef1201
6 1,065
Poll - net income
Dan5082
11-15-2010 08:08 PM
09-16-2014 04:44 PM
by jrs.landscaping
12 3,817
Getting lowballed!
PineHillLawn
06-27-2012 07:23 AM
09-16-2014 01:25 PM
by jrs.landscaping
24 5,555
Compare this summer to...
Steve
09-03-2014 12:52 PM
09-16-2014 11:20 AM
by Hanks Lawn Care Services
15 1,739
thinking about throwing...
veteranslawncaresystems
09-09-2014 10:31 PM
09-15-2014 03:41 PM
by Steve
12 1,467
Hello
Robertf31
09-12-2014 10:34 PM
09-15-2014 03:17 PM
by Steve
2 956
Newbie......Again
Jibber
09-13-2014 12:17 PM
09-15-2014 02:54 PM
by Sprinkler Buddy
2 1,085
need help with starter...
GoGreenerKS
09-12-2014 04:23 PM
09-15-2014 02:25 PM
by Steve
3 1,006
Brake job!
kslawn
08-30-2014 07:49 AM
09-15-2014 02:16 PM
by Steve
12 1,824
Hello
jawnebgoode
08-28-2014 08:37 PM
09-15-2014 02:15 PM
by Steve
3 1,551
» Popular Tags
4wd apartment complex blades bob villa charge christmas collections commercial demonstration ditches employee problems estimate exmark ferris first truck gopherhaul gravely growing a lawn care business hardscapes holiday how much to charge how to bid hydraulic introduction kawasaki labor cost landscape services lawn lawn care lawn care business 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 removal lesco lighting marketing mechanic mowing mr dave mulch estimate new buisness new business new mower past due patio install podcast property management company reo rotating running a business scag scag v-ride search engine optimization seo small engine repair starting a business start up lawn care business steep lawns steve stihl tips toro trimmer rack truck new used landscape walker won't return
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 11:14 PM.


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

All times are GMT -5. The time now is 11:14 PM.

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