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: 7
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: 42
Posts: 154
Rep Power: 8
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: 11
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: 7
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: 35
Posts: 21
Rep Power: 8
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: 7
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 offline
Administrator
 
Join Date: May 2003
Posts: 38,042
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: 35
Posts: 21
Rep Power: 8
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: 35
Posts: 21
Rep Power: 8
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
My Invention
biglee
01-11-2015 06:51 PM
Yesterday 09:08 PM
by Chilehead
19 2,857
fliers
joshp
08-19-2016 03:23 PM
Yesterday 04:24 PM
by Steve
10 604
fert/lawn programs
joshp
08-28-2016 10:43 AM
Yesterday 04:17 PM
by Steve
1 167
Landscaper taking on odd...
WarriorLandscapingCAN
08-07-2016 06:57 PM
08-28-2016 10:31 AM
by joshp
7 777
Review of our lawn care...
Lawnline
07-12-2016 06:40 PM
08-27-2016 10:51 AM
by Steve
7 1,837
Start My Own Business?
mowandblow1980
01-12-2016 07:43 PM
08-25-2016 12:55 PM
by Steve
19 2,173
Looking for new host
Just for Cuts
11-26-2015 06:58 AM
08-24-2016 09:05 PM
by Stephen Alberts
10 1,928
Facebook advertising
Just for Cuts
12-13-2015 07:49 AM
08-24-2016 08:59 PM
by Stephen Alberts
14 13,124
Breaking into commercial...
SGL1
08-19-2016 07:02 AM
08-24-2016 10:12 AM
by mowandblow1980
7 575
Snow Plow
acrajchel
08-17-2016 10:21 AM
08-22-2016 11:21 AM
by Steve
5 547
Quarter Acre Woodland...
ew411
08-16-2016 06:50 AM
08-18-2016 12:25 PM
by Steve
4 530
Bidding Bushhogging
acrajchel
08-15-2016 11:52 AM
08-17-2016 05:32 PM
by acrajchel
4 528
Hello From the Florida...
KevinShuman
08-15-2016 08:57 PM
08-16-2016 01:52 PM
by SC93
2 522
I'm making stupid money...
WarriorLandscapingCAN
08-07-2016 07:07 PM
08-16-2016 12:42 AM
by SC93
5 824
A quick Intro
BLE
08-14-2016 05:17 PM
08-15-2016 10:54 AM
by acrajchel
2 517
New Customer - Gettting...
acrajchel
08-05-2016 05:00 PM
08-15-2016 10:52 AM
by acrajchel
4 789
helping out a friend set...
Doug D
08-13-2016 11:33 AM
08-15-2016 09:45 AM
by Steve
1 526
Small bed job
Bradcook21
08-09-2016 09:52 PM
08-10-2016 03:51 PM
by Steve
1 644
Hello from NoVa
jtwlawn
08-03-2016 11:20 AM
08-09-2016 10:45 AM
by jtwlawn
4 784
How much to charge for...
jymie
03-31-2013 05:59 PM
08-08-2016 04:33 PM
by Steve
27 6,674
Needing a website built
burtle
06-17-2015 09:02 AM
08-07-2016 10:21 AM
by Just for Cuts
18 19,850
New Site Hows it look
Infinitelawn
03-16-2015 10:32 AM
08-07-2016 08:37 AM
by Lawnline
8 11,314
Hey guys! Greetings from...
thegardener
08-05-2016 05:45 AM
08-05-2016 03:26 PM
by Steve
1 689
First Time Bidding-Need...
capitallawncrew
08-01-2016 08:30 AM
08-03-2016 09:52 AM
by Steve
3 701
Show us your stripes
Just for Cuts
05-21-2015 03:07 PM
08-01-2016 08:28 PM
by ExclusiveLawns
7 3,807
String trim BEFORE mow...
Mr. Mow
04-12-2015 08:13 AM
07-31-2016 10:36 AM
by joshp
13 5,955
» Popular Tags
apartment become an entrepreneur best mower be your own boss bidding break business business education business help business management complex contractor hacks contracts deck lift dethatcher edging entrepreneur entrepreneur education estimate estimates fuel problems fuel pump half moon blade intro introduction jjandm lawncare l.t.rich landscape landscape design landscaping landscaping design company landscaping richmond va landscping lawn lawncare lawnservice lowering grade marketing mulch planting raising grade residential lawn care richmond va richmond virginia lawn care safety scag snowblower snow plowing snow shovel sprayer start a business start a lawn care business start business start up toro timecutter townhome tree tree service video web design websites what to charge work from home z-max z-spray
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 07:19 AM.


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

All times are GMT -5. The time now is 07:19 AM.

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