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: 7
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: 11
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: 37,948
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: 8
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: 7
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
Firefighter gone Lawn...
Firehouselawn@hotmail.com
03-10-2016 04:50 PM
Yesterday 08:17 PM
by J.A.S.LawnService
7 9,647
help with sole...
greenbuds
03-24-2016 12:21 PM
Yesterday 12:20 PM
by Wolf4dk
3 9,396
Whats up??
Cpadgett
Yesterday 10:57 AM
Yesterday 10:57 AM
by Cpadgett
0 17
To mow weekly or Biweekly
WarriorLandscapingCAN
05-11-2016 04:09 PM
05-26-2016 04:45 PM
by lawngawd7
9 305
Help a Brother Out -...
Hedgemaster
01-23-2012 04:19 PM
05-26-2016 04:34 PM
by Crossett73
91 33,685
Hello from Alabama
pruzilla
05-25-2016 01:20 PM
05-26-2016 08:14 AM
by pruzilla
2 52
Hello from Centreville!
Daveylawns
05-23-2016 09:04 AM
05-24-2016 04:08 PM
by Steve
1 70
Laying new grass, Sod...
WarriorLandscapingCAN
05-23-2016 10:07 AM
05-23-2016 08:41 PM
by Steve
1 58
I need some aeration...
rootytalbot
08-14-2015 12:32 PM
05-23-2016 09:06 AM
by Daveylawns
10 3,770
Prolin
rmccutchan
05-21-2016 04:53 PM
05-21-2016 06:36 PM
by rmccutchan
2 75
Upgraded to a new mower
Stevenor92
05-17-2016 08:17 PM
05-20-2016 07:08 PM
by Stevenor92
8 204
Intro
LaraRahmani
05-18-2016 02:54 PM
05-19-2016 02:43 PM
by Steve
2 109
Best Push Mower You Have...
markty
05-14-2016 03:46 PM
05-18-2016 07:34 PM
by Stevenor92
4 184
New mower!!!!
Stevenor92
05-18-2016 03:46 AM
05-18-2016 06:39 PM
by Stevenor92
2 115
Say Hello !!!
Steve
03-19-2007 11:18 AM
05-18-2016 02:59 PM
by LaraRahmani
1,249 434,790
Stupid idea?
hopolb33
05-13-2016 11:25 AM
05-16-2016 11:22 AM
by Steve
1 158
Planting SKYBOUND CEDARS
FrankieeLawnz
05-13-2016 03:59 PM
05-16-2016 11:21 AM
by Steve
1 140
Edging Fad...
Tree geek
05-10-2016 11:29 PM
05-15-2016 11:12 PM
by Tree geek
2 187
Business Overload
Chilehead
05-06-2016 09:27 PM
05-13-2016 11:15 AM
by Steve
11 388
Hello from great state...
Cel1980
05-11-2016 09:00 AM
05-13-2016 11:07 AM
by Steve
2 158
Did this job free to...
JJand M Lawncare
05-02-2016 02:33 PM
05-11-2016 03:54 PM
by JJand M Lawncare
10 429
How to tell Cust. to...
GeeGood
04-09-2008 09:55 PM
05-09-2016 07:08 PM
by JJand M Lawncare
16 5,522
Echo SRM 230 trouble.
Jack Rabbit
05-08-2016 06:16 PM
05-08-2016 11:22 PM
by Just for Cuts
1 152
Toro ZTR Issues
rsanchez1203
05-06-2016 09:27 PM
05-07-2016 10:26 AM
by Steve
2 178
Correct way to quote a...
WarriorLandscapingCAN
05-02-2016 11:52 AM
05-03-2016 10:59 AM
by Steve
1 294
Having an issue with...
Mr. Mow
04-27-2016 03:58 PM
04-28-2016 05:04 AM
by Sprinkler Buddy
2 297
» Popular Tags
advertising 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 free lawn care fuel problems fuel pump half moon blade hydro increase customers jjandm lawncare 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 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
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 12:08 AM.


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

All times are GMT -5. The time now is 12:08 AM.

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