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: 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, 03:59 PM
picframer's Avatar
picframer picframer is offline
Andy
 
Join Date: Jan 2009
Location: Halifax, Nova Scotia
Posts: 2,885
Rep Power: 10
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: 37,574
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: 36
Posts: 198
Rep Power: 7
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: 6
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: 7
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
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
Yesterday 11:35 PM
by ExtremeLawncareServices
96 11,611
SCAG Tiger Cat DECK...
rower30
08-24-2013 10:07 AM
Yesterday 07:13 PM
by rower30
18 5,028
Your 2015 summer review.
Steve
09-01-2015 11:01 AM
09-03-2015 09:04 PM
by Chilehead
5 202
Sample commercial bid
burtle
09-02-2015 06:02 PM
09-03-2015 10:48 AM
by Steve
1 109
best way to.....
Wolf4dk
09-02-2015 11:35 AM
09-03-2015 06:45 AM
by Chilehead
4 105
John Deere 667a
acrajchel
08-30-2015 10:00 AM
09-02-2015 07:45 PM
by Just for Cuts
5 144
Dane Scag
Steve
08-28-2015 12:29 PM
08-28-2015 12:29 PM
by Steve
0 111
24 and 50 acre cemetery...
grassmasterswilson
08-18-2015 10:09 AM
08-26-2015 02:42 PM
by Steve
13 679
Rookie business question...
WarriorLandscapingCAN
08-05-2015 05:20 PM
08-26-2015 02:33 PM
by Steve
3 471
How to clean an old...
rmccutchan
08-16-2015 05:23 PM
08-26-2015 02:31 PM
by Steve
9 484
how to make customers...
Bradcook21
05-27-2015 05:04 PM
08-26-2015 12:25 PM
by kslawn
19 3,868
Needing a website built
burtle
06-17-2015 09:02 AM
08-25-2015 11:31 AM
by acrajchel
9 2,527
Big mowing job
Bradcook21
07-30-2015 03:57 PM
08-25-2015 11:23 AM
by acrajchel
17 1,100
ZTR Review
Shark1611
05-31-2012 10:42 PM
08-25-2015 11:16 AM
by acrajchel
8 3,808
Hi Everyone
mmays29
08-25-2015 08:16 AM
08-25-2015 11:15 AM
by Steve
3 152
Should I buy this Exmark...
googus
07-03-2015 09:22 AM
08-25-2015 11:08 AM
by acrajchel
11 1,309
Old Business New Owner
Toyman
06-17-2014 08:57 PM
08-25-2015 11:00 AM
by acrajchel
16 1,682
Hi everyone! We're new...
alltrades
08-22-2015 12:46 PM
08-24-2015 10:41 AM
by Steve
2 206
CAn I get some help with...
rootytalbot
08-11-2015 06:14 PM
08-24-2015 10:36 AM
by Steve
12 633
Hi
Wemowjunction
08-16-2015 08:45 PM
08-20-2015 01:46 PM
by Steve
11 466
Drive cable bad?
SGL1
08-10-2015 11:16 PM
08-20-2015 01:41 PM
by Steve
5 427
Hey there everyone
Cole8999
08-16-2015 04:42 PM
08-18-2015 04:35 PM
by Steve
3 298
Help with a truck
bdodson89
04-27-2015 08:15 PM
08-18-2015 11:47 AM
by rmccutchan
7 1,079
I need some aeration...
rootytalbot
08-14-2015 12:32 PM
08-18-2015 07:59 AM
by rootytalbot
7 539
Say Hello !!!
Steve
03-19-2007 11:18 AM
08-17-2015 04:34 PM
by Steve
1,229 406,719
Whats wrong with this...
GreenWorx
07-28-2015 07:56 PM
08-16-2015 11:42 PM
by rmccutchan
3 657
What's your next...
Steve
05-15-2015 11:54 AM
08-16-2015 11:09 PM
by SC93
16 1,296
New Biz
kufnerins
08-14-2015 05:52 PM
08-14-2015 08:56 PM
by Steve
1 252
Chemical and Fertilizer...
rmccutchan
08-09-2015 10:36 PM
08-13-2015 11:11 PM
by rmccutchan
6 470
String trim BEFORE mow...
Mr. Mow
04-12-2015 08:13 AM
08-13-2015 02:10 PM
by rootytalbot
12 2,145
Hello all thinking about...
bernie
08-11-2015 04:28 PM
08-13-2015 10:33 AM
by Steve
8 415
Logo Help Font Color
LZLC
08-08-2015 09:26 PM
08-12-2015 03:50 PM
by Steve
4 403
Pricing issue
Mr. Mow
07-07-2015 06:15 AM
08-12-2015 12:30 AM
by Jeff1
20 1,903
My new mower
Chilehead
08-08-2015 09:09 PM
08-11-2015 08:36 PM
by Chilehead
9 600
Thought this was a good...
Just for Cuts
08-06-2015 03:38 PM
08-11-2015 10:54 AM
by Steve
8 571
Plowing pricing
jcurr33
08-08-2015 04:58 PM
08-11-2015 10:51 AM
by Steve
6 607
Should I upgrade my back...
googus
08-07-2015 10:50 AM
08-11-2015 10:44 AM
by googus
7 492
Keeping it clean....
Wolf4dk
08-09-2015 11:31 PM
08-11-2015 06:34 AM
by Chilehead
7 420
I have been rude and...
biglee
06-15-2015 10:11 PM
08-10-2015 09:41 PM
by stallman419
12 2,821
Newbie Saying Hi.
LZLC
08-08-2015 09:22 PM
08-10-2015 11:20 AM
by Steve
1 301
How much do I charge to...
Chris Herrera
08-06-2015 09:30 PM
08-09-2015 11:31 AM
by biglee
2 522
scag SWZT review!
mattthelawnguy
07-23-2015 02:28 PM
08-07-2015 03:26 PM
by Steve
17 1,226
Best commercial contract...
sanlanct
08-04-2015 12:18 PM
08-06-2015 06:20 AM
by sanlanct
2 450
» Popular Tags
ad landscaping advertising aerocore applying bark billy goat brushcutter blowout bob villa bush contract help curb appeal services demonstration design door hangers edging employee problems equipment dealer equipment rental facebook flyers free advertising free lawn care google growing a lawn care business hiring how to hydro increase customers jobs landscape landscaping landscaping training lawn aeration lawn care lawn mowing marketing marketing secrets more customers business mr dave mulch new business ordinance per hour charge per hour service plowing pricing profit on employee roundup scag secrets to landscaping sell the vision seo shell shreaded solo solo backpack sprayer sq ft square foot swzt tree tree pics up sell employee walk behind web design website website design winterization wood www.greenturion.co.za
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 02:13 AM.


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

All times are GMT -5. The time now is 02:13 AM.

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