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: 37,970
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
Hello Everyone
JohnsLawnCare
06-22-2016 11:14 AM
Yesterday 09:38 AM
by SC93
9 161
Newbie
Jhoell
Yesterday 03:28 AM
Yesterday 03:28 AM
by Jhoell
0 30
Business Overload
Chilehead
05-06-2016 09:27 PM
Yesterday 01:27 AM
by SC93
14 704
Firefighter gone Lawn...
Firehouselawn@hotmail.com
03-10-2016 04:50 PM
06-24-2016 07:26 PM
by acrajchel
9 10,083
Exmark Turf Tracer
acrajchel
02-01-2014 11:34 AM
06-24-2016 07:23 PM
by acrajchel
5 2,111
Rubber mulch...
avetslawncare
06-24-2015 09:28 PM
06-24-2016 06:59 PM
by acrajchel
7 3,020
3 Applications or 5...
stansg1fresh
02-18-2013 12:02 PM
06-24-2016 06:48 PM
by acrajchel
2 1,374
Checmial Applications
acrajchel
06-24-2016 06:44 PM
06-24-2016 06:44 PM
by acrajchel
0 31
Ybravo 25 mowers
SGL1
06-11-2016 09:52 AM
06-21-2016 03:44 PM
by acrajchel
5 275
Great Arborist Ladder
SGL1
06-04-2016 09:56 AM
06-17-2016 08:46 AM
by SGL1
10 367
Help a Brother Out -...
Hedgemaster
01-23-2012 04:19 PM
06-17-2016 08:28 AM
by SGL1
94 34,421
Best Push Mower You Have...
markty
05-14-2016 03:46 PM
06-17-2016 06:08 AM
by SGL1
20 819
anyone interested in a...
GoGreenerKS
06-16-2016 01:00 PM
06-17-2016 02:58 AM
by SC93
4 161
Prolin
rmccutchan
05-21-2016 04:53 PM
06-16-2016 05:28 PM
by acrajchel
3 315
Laying new grass, Sod...
WarriorLandscapingCAN
05-23-2016 10:07 AM
06-16-2016 05:27 PM
by acrajchel
2 304
Is it too late?
Cpadgett
05-28-2016 09:10 AM
06-16-2016 05:24 PM
by acrajchel
6 420
Upgraded to a new mower
Stevenor92
05-17-2016 08:17 PM
06-16-2016 05:22 PM
by acrajchel
9 531
How can I fix my...
WarriorLandscapingCAN
06-10-2016 07:47 PM
06-16-2016 05:19 PM
by acrajchel
2 218
Need a lil help
Cpadgett
06-05-2016 09:51 AM
06-16-2016 05:17 PM
by acrajchel
5 346
help with sole...
greenbuds
03-24-2016 12:21 PM
06-16-2016 05:01 PM
by acrajchel
4 9,738
New Member from...
tiptoppmanager
06-15-2016 07:39 AM
06-15-2016 03:18 PM
by SC93
2 154
Say Hello !!!
Steve
03-19-2007 11:18 AM
06-14-2016 08:16 AM
by poppyanne
1,252 437,830
Brand new fish pond
Flynn landscaping 2016
06-12-2016 09:53 AM
06-13-2016 11:21 AM
by Steve
1 137
Whats up??
Cpadgett
05-27-2016 10:57 AM
06-06-2016 08:46 PM
by Cpadgett
11 491
New Member from Texas
NathanR
06-02-2016 06:13 PM
06-03-2016 09:17 PM
by SC93
7 314
Edging Fad...
Tree geek
05-10-2016 11:29 PM
06-03-2016 07:02 PM
by SGL1
3 487
To mow weekly or Biweekly
WarriorLandscapingCAN
05-11-2016 04:09 PM
06-03-2016 06:42 PM
by SGL1
11 764
Your Time Lawn Care
yourtimelawncare
05-31-2016 01:12 PM
06-02-2016 10:11 PM
by SC93
2 282
» Popular Tags
become an entrepreneur best mower be your own boss break business education business help business management contractor hacks deck lift dethatcher edging entrepreneur entrepreneur education estimates fuel problems fuel pump half moon blade hydro jjandm lawncare l.t.rich landscape landscape design landscaping landscaping design company landscaping richmond va landscping lawncare lawn mowing lawnservice lowering grade marketing mulch new business planting plowing raising grade residential lawn care richmond va richmond virginia lawn care roundup safety scag snowblower snow plowing snow shovel solo solo backpack sprayer sprayer start a business start a lawn care business start business start up swzt toro timecutter tree tree pics tree service video walk behind 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 06:05 AM.


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

All times are GMT -5. The time now is 06:05 AM.

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