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? > Community Assistance

Community Assistance Community questions, comments, and suggestions. Problems posting? Email me.

insurance


Community Assistance

Community questions, comments, and suggestions. Problems posting? Email me.
Reply
 
Thread Tools Search this Thread
  #1  
Old 04-12-2010, 01:26 PM
kkkkkkk kkkkkkk is offline
Junior Member
 
Join Date: Sep 2009
Posts: 14
Rep Power: 5
kkkkkkk is on a distinguished road
Default insurance

Hi I was wondering if anyone has suggestions on insurance and what coverage you need companys you suggest. do you just need liability or is there more that is needed thanks
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 04-12-2010, 03:59 PM
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

Lawn care business tipsLawn Care Business Book
Quote:
Originally Posted by kkkkkkk View Post
Hi I was wondering if anyone has suggestions on insurance and what coverage you need companys you suggest. do you just need liability or is there more that is needed thanks
Hi KKKKKKKKKKKKK, did you ask your lawyer or insurance broker?
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #3  
Old 04-13-2010, 09:02 AM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 36,307
Rep Power: 10
Steve has disabled reputation
Default

The amount of insurance coverage we see can vary depending on if you work with residential or commercial customers. Commercial customers will usually want between $1 to $2 million dollars in liability coverage. They should tell you this when you inquire to bid.
__________________
- 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
  #4  
Old 04-13-2010, 09:33 PM
kdexpd's Avatar
kdexpd kdexpd is offline
Senior Member
 
Join Date: Mar 2009
Location: N.E. Missouri
Age: 35
Posts: 198
Rep Power: 6
kdexpd is on a distinguished road
Default

Listen to Steve. If I were you I would go with 1 million. That's what I have and it covers me for my commercial accounts too. Don't limit yourself to just residential, commercial is where the steady money is at. You may not need the coverage at first, but what if a commercial account calls you up on Friday at 4:30 pm and wants a bid? It may be too late to go get the higher insurance coverage because your insurance agent has left the office for the weekend. Now your stuck, especially if your bid is accepted on the spot and they need it mowed this weekend.
__________________
Kendrick
Cedar Lawn Care Services, LLC
Kirksville, MO
Reply With Quote
  #5  
Old 04-14-2010, 01:21 AM
Lawn Envy Lawn Envy is offline
Junior Member
 
Join Date: Apr 2010
Posts: 19
Rep Power: 5
Lawn Envy is on a distinguished road
Default

1 mill for me. I live in Cal and there are so many requirements. Most people want a min of a million in liability. Just my 2 cents.
Reply With Quote
  #6  
Old 04-15-2010, 11:27 AM
devuono311 devuono311 is offline
Member
 
Join Date: Jul 2009
Posts: 74
Rep Power: 6
devuono311 is on a distinguished road
Default

Oh Dear kkkkkkk,

Here's the deal bud. Depending on where you live it varies. Like around me, some commercial properties only require half mill. Some people only carry $300,000, HA! Thats a waste. So I suggest, calling a couple commercial properties in your area and just simply ask "What is the minimum liability coverage you require for landscape and lawncare companies for your property?" . Don't settle for the minimum though. Always go a little further than your expected. Like these guys said 1 mill. is a good basis. But thats what I would do, make a couple phone calls, because it DOES vary depending on where you live and you might be surprised it wasn't much at all difference in my ins. payments to get another half mill. coverage.

Also, CALL around. You wouldn't believe some of the different price ranges I got from insurance companies. Example: for six months coverage a ins. co. quoted me $787.00 for only $300,000 coverage as a"starting point" to "SEE" what I wanted to go with they said. I called another guy in G.R. he quoted me $476.00 for six months coverage at $500,000. That included the same packages as the first guy but with higher coverage!!!! So anyhow, its up to you to put all our advice to use. Take it easy and let us know how it goes.

-Tyler
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
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
Health Insurance tiedeman GopherHaul Lawn Care Business Show, Video, Book & Podcast Discussions. 4 01-04-2007 09:40 PM
looking for insurance coronaldi General Business Discussions 1 01-16-2006 09:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
snowplowing
jshak40
Today 07:20 AM
Today 07:55 PM
by jrs.landscaping
5 83
Brake job!
kslawn
08-30-2014 07:49 AM
Today 05:57 PM
by 04bluesilverado
5 136
Trailer tires
J.A.S.LawnService
Today 10:17 AM
Today 11:39 AM
by stevef1201
1 41
Walk Behinds and Texas...
SGL1
08-26-2014 03:53 PM
Today 09:52 AM
by mattthelawnguy
6 215
Mowing 7 acres
avetslawncare
Yesterday 04:24 PM
Yesterday 05:55 PM
by stevef1201
3 91
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
Yesterday 04:48 PM
by avetslawncare
6 212
New to the industry-...
Lsmain
Yesterday 10:53 AM
Yesterday 10:53 AM
by Lsmain
0 66
Sod
RosalesLawnCare
08-27-2014 03:47 PM
08-30-2014 07:00 PM
by RosalesLawnCare
2 152
Lawn Route Templates
Landscaper1165
08-30-2014 01:52 PM
08-30-2014 05:04 PM
by stevef1201
1 96
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
08-30-2014 09:49 AM
by BLC7
10 395
Hello! New here and...
CaliforniaFriendly
08-29-2014 11:30 AM
08-29-2014 05:39 PM
by jrs.landscaping
1 115
Stihl engine isn't...
Marcintosh
08-12-2014 08:30 PM
08-28-2014 09:28 PM
by Marcintosh
12 530
Hello
jawnebgoode
08-28-2014 08:37 PM
08-28-2014 08:37 PM
by jawnebgoode
0 57
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
08-28-2014 05:06 PM
by kurtwin
0 79
Softball field
kslawn
08-15-2014 09:28 AM
08-28-2014 12:01 PM
by Steve
16 614
Lawn needs top soil What...
jymie
08-26-2014 11:01 AM
08-28-2014 11:58 AM
by Steve
5 214
Say Hello !!!
Steve
03-19-2007 11:18 AM
08-27-2014 08:33 PM
by kurtwin
1,187 331,258
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
08-26-2014 04:21 PM
by ExtremeLawncareServices
110 6,644
How do I approach...
Bradcook21
08-21-2014 01:48 AM
08-26-2014 05:08 AM
by Billy Goat
12 518
Tender Process
M2Dave
08-24-2014 12:31 PM
08-25-2014 04:14 PM
by Steve
2 199
Grass hopper mower
ExtremeLawncareServices
12-05-2013 08:51 AM
08-25-2014 04:02 PM
by Steve
26 3,852
Need help pricing basic...
Bradcook21
08-22-2014 01:21 AM
08-22-2014 01:05 PM
by Steve
2 283
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
08-22-2014 01:01 PM
by Steve
6 360
yearly contract help...
jrob0691
08-21-2014 04:09 PM
08-22-2014 12:48 PM
by Steve
1 233
Pampas bushes
Bradcook21
08-22-2014 01:30 AM
08-22-2014 07:17 AM
by grassdoctore
1 202
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
08-21-2014 08:50 PM
by phlawncare
2 247
Fuel Can Spouts
Shark1611
08-16-2014 09:09 AM
08-21-2014 08:23 PM
by SGL1
11 489
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
08-21-2014 05:03 PM
by stevef1201
6 750
Hello
M2Dave
08-21-2014 12:32 AM
08-21-2014 01:38 PM
by Steve
1 212
New Landscaping Business
rekon32
08-16-2014 02:26 PM
08-21-2014 12:33 PM
by SouthallMowing
8 550
Downed Tree Chop Bid
WesleySnips
08-16-2014 03:47 PM
08-20-2014 01:44 PM
by SGL1
10 516
60 inch honda/bunton...
pblawncare
08-17-2014 11:30 AM
08-18-2014 03:19 PM
by Steve
2 261
Replacement Parts -...
nicholas-KC
08-16-2014 08:40 AM
08-18-2014 03:16 PM
by Steve
4 370
Preparing the soil
Billy Goat
08-16-2014 06:18 PM
08-18-2014 03:01 PM
by Steve
1 283
What to pay help
phlawncare
08-04-2014 08:33 PM
08-18-2014 10:33 AM
by jrs.landscaping
29 1,114
Hello
Jeff1
08-07-2014 11:18 PM
08-15-2014 11:53 PM
by Jeff1
11 573
Lie #2 RESIDENTIAL...
ExtremeLawncareServices
01-06-2014 05:02 AM
08-15-2014 01:46 PM
by mattthelawnguy
54 6,685
Need help 30 HP koler...
Shady Grady
08-01-2014 03:31 PM
08-15-2014 08:46 AM
by kslawn
18 751
New Boomless Sprayer!
BlackRain75
01-03-2014 01:01 PM
08-14-2014 02:37 AM
by BlackRain75
12 1,946
first year update
cmdlawncare
08-12-2014 05:41 PM
08-13-2014 03:29 PM
by Steve
1 375
Hello from Jacksonville,...
JM Lawn Care
08-10-2014 07:15 AM
08-13-2014 07:04 AM
by Sprinkler Buddy
9 495
Hello everyone new to...
maddyandrays
08-11-2014 04:51 PM
08-12-2014 08:58 PM
by Shark1611
2 328
Walk behinds
hpruitcei
08-07-2014 06:28 PM
08-12-2014 02:35 PM
by mattthelawnguy
7 602
New name help
stevef1201
08-10-2014 04:27 PM
08-12-2014 12:03 PM
by Steve
6 482
my little green dilemmas
Lawn Techie
08-03-2014 11:47 AM
08-11-2014 01:20 PM
by Steve
7 578
what the best...
CleanCutsLLC
08-02-2014 01:02 AM
08-11-2014 01:16 PM
by Steve
6 631
Texas lawn care company...
Livingston Lawn Care
07-25-2014 11:29 AM
08-11-2014 01:19 AM
by ExtremeLawncareServices
13 887
Covering all the bases
janslawncare
08-08-2014 10:11 AM
08-08-2014 01:41 PM
by Steve
1 423
New from Florida
ADE
08-06-2014 08:40 PM
08-08-2014 01:32 PM
by Steve
4 487
JOB - Landscape Install...
janslawncare
08-08-2014 10:06 AM
08-08-2014 10:06 AM
by janslawncare
0 377
» Popular Tags
34'' ads apartment bid apartment lawn care estimate care charge christmas credit card customers exmark fall ferris financing four wheel drive franchise gopherhaul grass gravely hardscapes health hills holiday how much to charge hydraulic introduction invoice kansas city landscape services late lawn lawn care lawn care business lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website lesco managing a lawn care business marketing mechanic monthly mowing mulch price new and restored landscapes new buisness new business new mower podcast promotion push versus ride reo riding mower scag scag v-ride schedule search engine optimization seo small engine repair starting a business starting a lawn care business steve stihl top dresser toro tractor auger trailer mate pro tree care walker wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 08:56 PM.


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

All times are GMT -5. The time now is 08:56 PM.

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