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 > Just starting your lawn care or landscaping business? > Starting a lawn care business.

Starting a lawn care business. How to start a lawn mowing business, lawn care business, or landscaping business. If you are starting a lawn care business, ask your questions here.

insurance question


Starting a lawn care business.

How to start a lawn mowing business, lawn care business, or landscaping business. If you are starting a lawn care business, ask your questions here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 03-12-2010, 04:16 PM
wscoolridge wscoolridge is offline
Junior Member
 
Join Date: Feb 2010
Posts: 3
Rep Power: 5
wscoolridge is on a distinguished road
Default insurance question

Been crunching the numbers to see if I can swing a lawn care business.
So far so good, went to speak with my ins. agent today to get a quote for
business ins.
Agent tells me he cant even consider me without at least 3 yrs experience. So my question is how does a new guy get started legally if no one will cover them?
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 03-12-2010, 04:39 PM
FloridaBoy's Avatar
FloridaBoy FloridaBoy is offline
FloridaBoy
 
Join Date: Jun 2009
Age: 39
Posts: 154
Rep Power: 5
FloridaBoy is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
Time to find another agent, lol. atleast for your business needs.

Down here in florida, for just liability 1,000,000 it runs about $700 a year.
Ins. for equipment depends on how much you need to insure.
__________________
Welcome Advise, Incourage comments, and never stop Cutting. Geoff<img src="http://www.gopherforum.com/attachment.php?attachmentid=1595&d=1253928284">
Reply With Quote
  #3  
Old 03-13-2010, 03:17 AM
picframer's Avatar
picframer picframer is offline
Andy
 
Join Date: Jan 2009
Location: Halifax, Nova Scotia
Posts: 2,885
Rep Power: 9
picframer will become famous soon enough
Default

Quote:
Originally Posted by wscoolridge View Post
Been crunching the numbers to see if I can swing a lawn care business.
So far so good, went to speak with my ins. agent today to get a quote for
business ins.
Agent tells me he cant even consider me without at least 3 yrs experience. So my question is how does a new guy get started legally if no one will cover them?
Find another insurance broker, what he told you may be correct for the underwriter they use but that is not an industry standard, you can get insurance.
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #4  
Old 03-13-2010, 06:58 AM
wscoolridge wscoolridge is offline
Junior Member
 
Join Date: Feb 2010
Posts: 3
Rep Power: 5
wscoolridge is on a distinguished road
Default

Hey thanks for the responses, I kinda thought that was the case, my insurance company is Nationwide. So I went online and typed in small business insurance+Delaware and came up with about 10 or more local insurance companies, the majority of them being Allstate, guess I be heading to Allstate on Monday!

Thanks Again
Reply With Quote
  #5  
Old 03-13-2010, 12:30 PM
Edmir Edmir is offline
Junior Member
 
Join Date: Apr 2009
Location: Tennessee
Age: 32
Posts: 21
Rep Power: 5
Edmir is on a distinguished road
Default

Quote:
Originally Posted by wscoolridge View Post
Hey thanks for the responses, I kinda thought that was the case, my insurance company is Nationwide. So I went online and typed in small business insurance+Delaware and came up with about 10 or more local insurance companies, the majority of them being Allstate, guess I be heading to Allstate on Monday!

Thanks Again
AllState Suck. I will never do business with them. I sued them 5 years ago and got a nice settelment from them.
Reply With Quote
  #6  
Old 03-13-2010, 03:10 PM
wscoolridge wscoolridge is offline
Junior Member
 
Join Date: Feb 2010
Posts: 3
Rep Power: 5
wscoolridge is on a distinguished road
Default

Hey thanks for the heads up on Allstate, being my first year at this any problems I can avoid in the beginning, will only make things better down the road.

While I'm on the subject, if there's anyone on the forums who operates in the state of Delaware and can point me in the right direction as far as a good company to be insured with, any input would be greatly appreciated.

Thanks Again
Reply With Quote
  #7  
Old 03-14-2010, 03:40 PM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 35,771
Rep Power: 10
Steve has disabled reputation
Default

Does anyone have any suggestions as far as insurance companies go?
__________________
- 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
  #8  
Old 03-14-2010, 10:46 PM
ProCut TM
Guest
 
Posts: n/a
Default

auto owners insurance is who I use
1 million in liability for $478 a year for me
Reply With Quote
  #9  
Old 03-15-2010, 07:04 AM
Edmir Edmir is offline
Junior Member
 
Join Date: Apr 2009
Location: Tennessee
Age: 32
Posts: 21
Rep Power: 5
Edmir is on a distinguished road
Default Mowing Serives, Inc.

Quote:
Originally Posted by wscoolridge View Post
Been crunching the numbers to see if I can swing a lawn care business.
So far so good, went to speak with my ins. agent today to get a quote for
business ins.
Agent tells me he cant even consider me without at least 3 yrs experience. So my question is how does a new guy get started legally if no one will cover them?

I never had any problems getting coverage. I started my Mowing Business three years ago, and I didn't have a hard time getting coverage. Insurance companies all they want is money. I have Erie Insurance for my business. I only have liability insurance. My car is covered by Farm Bureau insurance, where I get a better deal, since I have my home insurance with them, my life insurance, and my bike insurance. AllState isn't a good insurance company, they have gotten sued in Georgia, and Florida, back in 2004 for bad faith claims. That's why I wouldn't go with AllState. I am going by my personal experience.
Reply With Quote
  #10  
Old 03-15-2010, 07:07 AM
Edmir Edmir is offline
Junior Member
 
Join Date: Apr 2009
Location: Tennessee
Age: 32
Posts: 21
Rep Power: 5
Edmir is on a distinguished road
Default

Quote:
Originally Posted by wscoolridge View Post
Hey thanks for the heads up on Allstate, being my first year at this any problems I can avoid in the beginning, will only make things better down the road.

While I'm on the subject, if there's anyone on the forums who operates in the state of Delaware and can point me in the right direction as far as a good company to be insured with, any input would be greatly appreciated.

Thanks Again
I operate in Tennessee, so honestly I wouldn't know how to help you in the state of Delaware. Be careful though when you select coverage for your business. You should be able to find a nice insurance company, all they want is money, and you have seen the adds in tv about insurance companies, they are hurting for more business. You might be able to negotiate with them. I only have liability insurance and I pay $82 every three months for a coverage of up to $600,000. My equipment is paied off. So I just needed insurance in case I broke someones window with my weedeater. Best of luck to 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

Similar Threads
Thread Thread Starter Forum Replies Last Post
insurance jasonw Starting a lawn care business. 9 10-06-2009 04:52 PM
16 most common lawn care business insurance question Steve GopherHaul Lawn Care Business Show, Video, Book & Podcast Discussions. 1 01-07-2009 10:30 AM
Insurance AllProlawn Starting a lawn care business. 10 12-22-2008 02:37 AM
Insurance Steve General Talk 5 02-15-2007 10:30 PM
looking for insurance coronaldi General Business Discussions 1 01-16-2006 09:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
In a bit situation need...
googus
Yesterday 08:01 AM
Today 10:03 PM
by googus
9 163
Mangwi Landscaping
bondservojc13
Today 09:56 PM
Today 09:56 PM
by bondservojc13
0 14
Pushy customers
christopherhicks82
Yesterday 08:22 PM
Today 09:07 PM
by christopherhicks82
5 138
Acerage Rake
acrajchel
Today 07:23 PM
Today 07:23 PM
by acrajchel
0 23
2.5 acre mowing
xandrew245x
04-18-2014 06:55 AM
Today 07:11 PM
by acrajchel
15 336
New Trailer
bobwill2009
Today 12:46 PM
Today 06:46 PM
by BelleCityLawn1
2 62
Advertising On...
JacobsLawnMowing
03-17-2014 03:21 PM
Today 06:02 PM
by bobwill2009
13 861
Any greenhouse operators...
GoGreenerKS
04-15-2014 11:21 AM
Today 12:37 PM
by Steve
7 218
Pond...
xandrew245x
Yesterday 03:29 PM
Today 12:30 PM
by Steve
3 85
Truck, Trailer,...
hawthornelawncare
12-23-2011 12:01 AM
Today 12:17 PM
by bobwill2009
79 25,315
The $20 Mow Job
Dan Tanner
04-21-2014 07:24 PM
Today 12:06 PM
by Steve
5 191
quickbooks users
CDLAWNCARE
04-20-2014 09:03 AM
Today 06:48 AM
by CDLAWNCARE
4 173
Looking for advice on a...
Tekeda1
04-13-2014 09:53 AM
Yesterday 07:55 PM
by Just for Cuts
23 579
About D@## Time!
TamMik
04-02-2014 08:10 AM
Yesterday 05:14 PM
by BelleCityLawn1
19 869
Back for this year
xandrew245x
02-21-2014 04:30 PM
Yesterday 03:36 PM
by xandrew245x
19 1,006
What Was Your Setup When...
superrman77
02-11-2014 10:53 AM
Yesterday 12:29 AM
by Tony317
22 1,709
Sulky and Turf Tracer
acrajchel
04-07-2014 01:44 PM
Yesterday 12:07 AM
by Tony317
9 445
danny 2
danny2
04-19-2014 10:19 PM
04-21-2014 12:25 PM
by Steve
3 137
this mower is driving me...
boog
04-17-2014 12:07 PM
04-21-2014 12:10 PM
by kslawn
13 349
What Fertilizer to Use?
acrajchel
04-07-2014 01:56 PM
04-21-2014 12:02 PM
by kslawn
20 593
I Got Taken...,
Dan Tanner
04-19-2014 06:26 AM
04-21-2014 11:49 AM
by Steve
4 226
new to this forum!
mower13126
04-18-2014 07:37 PM
04-21-2014 11:39 AM
by Steve
4 148
REO calling
Dan Tanner
04-16-2014 05:03 PM
04-21-2014 11:33 AM
by Steve
12 349
employee pay
4 seasons maintenance
04-10-2011 09:34 PM
04-20-2014 04:40 PM
by Dan Tanner
20 6,882
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
04-20-2014 11:13 AM
by ExtremeLawncareServices
32 1,215
Lawn Renovation
stevef1201
04-11-2014 12:00 PM
04-20-2014 11:11 AM
by kslawn
10 366
Customers droping like...
goodtimez
04-18-2014 09:53 AM
04-19-2014 08:09 AM
by CDLAWNCARE
7 230
Best Bulk Mulch delivery...
Steven Virgadamo
04-18-2014 09:52 AM
04-18-2014 05:34 PM
by Steve
2 102
Steve Virgadamo,...
Steven Virgadamo
04-18-2014 09:49 AM
04-18-2014 05:08 PM
by Steve
2 84
Instagram
Gerardo_Landscape
04-16-2014 11:28 AM
04-18-2014 04:51 PM
by Steve
3 179
Help with weed liability!
Prolawnofchatt
04-15-2014 09:10 AM
04-18-2014 04:47 PM
by Steve
5 241
Nationwide lawn care...
Billy Goat
04-15-2014 05:21 PM
04-18-2014 04:39 PM
by Steve
9 263
Truck Signage
Dan Tanner
04-16-2014 11:00 PM
04-18-2014 04:04 PM
by stevef1201
10 282
leaf removal
tlf59263
04-15-2014 10:00 PM
04-18-2014 03:59 PM
by stevef1201
6 238
Pay per click advertising
roostertail
02-12-2014 07:26 PM
04-17-2014 07:11 PM
by yardrate
10 635
Accepting credit cards,...
Darksteel
03-17-2014 08:01 PM
04-16-2014 01:02 PM
by jymie
15 803
Trimec
acrajchel
04-15-2014 08:24 PM
04-16-2014 11:10 AM
by Steve
3 149
Gopher Forum Discount!
BlackRain75
04-12-2014 10:44 PM
04-16-2014 10:50 AM
by Steve
9 348
hello
NFrailey
04-15-2014 01:39 PM
04-16-2014 10:48 AM
by Steve
1 131
Pricing a Mulch Job
dmcalpi
04-07-2014 02:16 PM
04-16-2014 09:40 AM
by jymie
21 783
google earth
CDLAWNCARE
04-12-2014 03:24 PM
04-16-2014 09:36 AM
by jymie
8 291
There has to be an...
CDLAWNCARE
04-14-2014 12:59 PM
04-15-2014 04:06 PM
by Dan Tanner
6 233
First Day Back!
BelleCityLawn1
04-09-2014 09:13 PM
04-15-2014 11:16 AM
by Steve
11 371
Mow America
stevegredler
04-13-2014 01:02 PM
04-14-2014 09:53 PM
by kslawn
5 275
Power Broom
acrajchel
04-14-2014 07:46 AM
04-14-2014 12:47 PM
by CDLAWNCARE
2 154
Say Hello !!!
Steve
03-19-2007 11:18 AM
04-14-2014 11:34 AM
by Steve
1,176 286,757
Equipment reviews
Greg'slawnandlandscape
04-09-2014 07:17 AM
04-14-2014 11:27 AM
by Greg'slawnandlandscape
13 525
Aerating Prices?
Dan Tanner
04-08-2014 03:16 PM
04-14-2014 10:31 AM
by Steve
13 535
Estimating help
acrajchel
04-11-2014 06:06 PM
04-14-2014 10:20 AM
by Steve
3 237
Need help bidding church...
GreenRidge Lawn&Landscape
04-07-2014 08:01 PM
04-14-2014 09:49 AM
by Steve
12 499
» Popular Tags
4wd ads aerator butterfly gardens care charge christmas light service craigslist credit card cultivation customers decorating echo exmark fall ferris financing flower bed cultivation price four wheel drive franchise gopherhaul gravely gravely 34" zero turn health holiday how much to charge introduction kansas city lawn lawn care lawn care business lawn care business show leaf lighting marketing mechanic monthly mow mowing mowing clarksville mulch mulch price new and restored landscapes new buisness new business new start office management payment podcast promotion property management company reo requests scag schedule selling seo sole proprietorship starting a business steve stihl subcontractor top dresser toro tree care turfgrass consulting upsell walker winter money making ideas yard clarksville
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 11:33 PM.


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

All times are GMT -5. The time now is 11:33 PM.

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