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, 02:26 PM
kkkkkkk kkkkkkk is offline
Junior Member
 
Join Date: Sep 2009
Posts: 14
Rep Power: 6
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, 04:59 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, 10:02 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,603
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, 10:33 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, 02:21 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, 12:27 PM
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 05:52 PM
Insurance AllProlawn Starting a lawn care business. 10 12-22-2008 03:37 AM
Insurance Steve General Talk 5 02-15-2007 11:30 PM
Health Insurance tiedeman GopherHaul Lawn Care Business Show, Video, Book & Podcast Discussions. 4 01-04-2007 10:40 PM
looking for insurance coronaldi General Business Discussions 1 01-16-2006 10:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
These are the days on...
ExtremeLawncareServices
03-22-2014 10:12 AM
Today 09:22 PM
by ExtremeLawncareServices
173 13,809
Hi to you NOTHERNERS
stevef1201
11-11-2014 05:56 PM
Today 08:02 PM
by stevef1201
4 252
Beginner Mistakes:...
Steve
01-31-2007 12:45 PM
Today 07:20 PM
by acrajchel
18 5,931
Billboards for marketing
ExtremeLawncareServices
11-16-2014 08:39 PM
Today 07:05 PM
by acrajchel
13 307
Contract or no contract?
TRV
Yesterday 09:18 PM
Today 06:56 PM
by Steve
2 65
Hello from Kentucky
TRV
09-30-2014 06:42 PM
Today 06:51 PM
by acrajchel
5 1,197
Pics for website
tbtigers03
Today 05:40 PM
Today 06:48 PM
by acrajchel
2 28
New website
Chilehead
Yesterday 04:39 PM
Today 06:43 PM
by Steve
3 68
Belt dealer problem
googus
Today 08:45 AM
Today 06:36 PM
by Steve
2 49
Good help is hard to find
Hanks Lawn Care Services
11-19-2014 03:27 PM
Today 06:32 PM
by Steve
7 154
My site is on fronts page
tbtigers03
11-14-2014 05:58 PM
Today 06:28 PM
by acrajchel
15 402
Peco Bagger
AGPS
11-18-2014 02:20 PM
Today 06:22 PM
by acrajchel
8 206
How to: Use Thumbtack...
acrajchel
11-17-2014 06:39 PM
Today 06:07 PM
by acrajchel
15 403
What is going on with...
biglee
11-14-2014 03:04 PM
Yesterday 02:50 PM
by biglee
40 855
My advice for new guys
avetslawncare
11-15-2014 09:32 AM
11-19-2014 01:47 PM
by biglee
10 404
Lawn Care business...
crieg122
10-23-2014 02:23 PM
11-19-2014 12:39 PM
by acrajchel
28 1,771
raking leaves ?
robert8509
10-22-2014 10:19 PM
11-18-2014 04:24 PM
by acrajchel
14 1,389
Leaf removal
madmedic8575
10-24-2014 05:14 PM
11-17-2014 07:34 PM
by acrajchel
6 1,135
sod job
SGlawncare
10-30-2014 09:21 PM
11-17-2014 07:10 PM
by acrajchel
7 711
Customer wants me to...
Mr. Mow
11-09-2014 07:13 AM
11-17-2014 06:48 PM
by acrajchel
10 453
Hello!
Brian3137
11-11-2014 07:15 PM
11-17-2014 06:46 PM
by acrajchel
14 401
small biz in Phoenix,AZ
anthonyramos1
11-08-2014 09:35 PM
11-17-2014 05:59 PM
by acrajchel
2 272
Client won't pay...
WesleySnips
10-30-2014 03:53 PM
11-17-2014 05:37 PM
by acrajchel
22 1,291
Government contracts
avetslawncare
11-15-2014 08:50 AM
11-17-2014 12:59 PM
by Steve
2 194
Need help on deciding a...
Brian3137
11-10-2014 06:32 PM
11-17-2014 12:44 PM
by Steve
12 461
West cost lawn prices
SGlawncare
10-09-2014 10:51 PM
11-16-2014 07:54 AM
by stevef1201
8 1,532
So how do you guys...
Mr. Mow
10-26-2014 08:55 AM
11-15-2014 08:44 AM
by avetslawncare
14 1,647
Truck, Trailer,...
hawthornelawncare
12-23-2011 01:01 AM
11-13-2014 08:35 AM
by jrs.landscaping
81 31,672
The most dangerous part...
Steve
10-06-2014 03:45 PM
11-12-2014 05:05 PM
by stevef1201
14 1,617
A little hang up in snow...
stevef1201
11-08-2014 07:05 AM
11-12-2014 12:51 PM
by Steve
4 372
Bi-weekly winter...
lxarth
11-04-2014 08:37 PM
11-12-2014 10:06 AM
by WesleySnips
9 570
taking first steps...
sizemorelawncare
11-10-2014 08:24 PM
11-11-2014 01:21 PM
by Steve
1 261
Back Pack Blower
Ian Lovejoy
11-09-2014 08:41 AM
11-11-2014 08:12 AM
by Just for Cuts
4 330
Business Cards
crieg122
10-25-2014 01:03 PM
11-11-2014 07:56 AM
by Just for Cuts
12 1,259
How the unregister?
alive101
11-04-2014 07:39 AM
11-10-2014 01:48 PM
by Steve
4 558
Belt adjustment question
googus
11-05-2014 06:43 AM
11-10-2014 01:38 PM
by Steve
5 459
New parking area
ExtremeLawncareServices
11-07-2014 09:47 PM
11-10-2014 01:25 PM
by Steve
2 286
Podcast
Shark1611
11-07-2014 05:42 PM
11-10-2014 11:41 AM
by Steve
1 257
hi, from Minnesota
rjklohn
11-07-2014 02:21 AM
11-07-2014 01:44 PM
by Steve
1 271
New to snow plowing
SS.Lawncare
11-05-2014 04:00 PM
11-07-2014 01:21 PM
by Steve
6 499
New Member
tonyap
11-05-2014 10:35 PM
11-07-2014 01:15 PM
by Steve
1 320
New to the business
jcurr33
11-05-2014 03:21 PM
11-07-2014 01:11 PM
by Steve
1 366
Lines
Matther777
11-04-2014 02:19 PM
11-07-2014 12:54 PM
by Steve
1 407
hello, new to this site
tonyorwig
10-31-2014 10:49 PM
11-04-2014 02:24 PM
by tonyorwig
3 604
Aloha from Hawaii.
Gary R
11-02-2014 12:44 AM
11-03-2014 03:02 PM
by Steve
1 509
Pavers
crieg122
10-28-2014 03:49 PM
10-31-2014 01:49 PM
by Steve
6 818
Hi Steve From West...
Mr. Mow
10-21-2014 02:59 PM
10-31-2014 12:56 PM
by Steve
5 1,130
Got my first lawn job...
SGL1
06-11-2014 10:19 PM
10-31-2014 10:53 AM
by Max Wagner
30 3,241
Gie-review / What's new...
ExtremeLawncareServices
10-25-2014 10:19 AM
10-31-2014 10:30 AM
by ExtremeLawncareServices
7 1,054
Business Name
sanchez5
10-29-2014 12:55 AM
10-31-2014 06:51 AM
by ringahding1
10 928
» Popular Tags
4wd aerocore apartment bid applying bid billy goat brushcutter bush charge christmas deliquentaccounts ditches employee problems equipment rental estimate exmark ferris first truck foreman georgia gopherhaul gravely how much to charge how to bid husqvarna hydraulic installation introduction jobs kawasaki landscape services lawn lawn care lawn care business podcast lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care seo lawn care website lawn care website seo managing a lawn care business marketing mr dave mulch mulch price new business new mower ordinance podcast redmax reo running a business savannah scag v-ride seo shreaded small engine repair starting a business start up lawn care business steep lawns steve toro tractor auger trailer trimmer rack truck new used landscape walker won't return wood wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 09:33 PM.


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

All times are GMT -5. The time now is 09:33 PM.

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