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


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 08-04-2010, 01:22 AM
DillonB92's Avatar
DillonB92 DillonB92 is offline
Senior Member
 
Join Date: Jul 2010
Location: Memphis, TN
Posts: 197
Rep Power: 5
DillonB92 is on a distinguished road
Default Insurance

I will be 18 in October. I Am looking very forward to getting my truck paid off. Or atleast until i found out how much freaking car insurance is. I have Tennessee Farm Bureau. My plan for full coverage on my 07 Ranger is $1200 for 6 months. Now for liability only its $500. Now that doesn't include the $12 a month for my trailer. I want to go Legit but dang i don't make that much money! It has taken me all summer to save up my $900 taht i have now. THats working 2 jobs. But then again i have had a lot of set backs like new tires and a new air conditioner compressor. Thats coming out right around 1500. I am very cheap and hate spending money. LOL I was wondering who all you guys have insurance through and if you have commercial insurance. my insurance company doesn't offer commercial insurance right now. I would like to be able to do lawn spraying every know and then but accoriding to tennessee i think you have to have like 30,000 50,000 and 100,000 in insurance in order to be eligble for applicators permit. Do any of you guys have insurance like this? id really like to know who you have company wise and how much it is. sorry for all the typos my computer died recently and this is A NEW one that i am not quite used to yet. Oh ya and those insurance numbers are after my 18 year old discount.
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 08-04-2010, 01:30 AM
MountainViewGreenskeeper's Avatar
MountainViewGreenskeeper MountainViewGreenskeeper is offline
Senior Member
 
Join Date: Jan 2010
Location: Mesa, AZ
Posts: 473
Rep Power: 5
MountainViewGreenskeeper is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
Quote:
Originally Posted by DillonB92 View Post
LOL I was wondering who all you guys have insurance through and if you have commercial insurance. my insurance company doesn't offer commercial insurance right now. I would like to be able to do lawn spraying every know and then but accoriding to tennessee i think you have to have like 30,000 50,000 and 100,000 in insurance in order to be eligble for applicators permit. Do any of you guys have insurance like this? id really like to know who you have company wise and how much it is. sorry for all the typos my computer died recently and this is A NEW one that i am not quite used to yet. Oh ya and those insurance numbers are after my 18 year old discount.
Im kinda in the same boat as you. I dont quite make enough to pay for everything to be insured commercially. My truck is in my name anyways so its insured under me. There is a risk though... you can be denied your claim using it as a work truck. But seeing how its like 3x the cost to insure my truck commercially I have to take the risk for now.

As for general liability insurance get the 1 mil policy. If you plan on doing any commercial work thats what they want to so really anything less is a waist. My policy is $750 a year witch is min in AZ, ive heard as low as 500 in some states. So just look around. Call your current agency they always have people they kik work to that would do the commercial stuff.

Hope that helped.....
__________________
Colton
Mountain View Greenskeeper proudly offering yard care in the East Valley of Arizona.
Reply With Quote
  #3  
Old 08-04-2010, 12:41 PM
DillonB92's Avatar
DillonB92 DillonB92 is offline
Senior Member
 
Join Date: Jul 2010
Location: Memphis, TN
Posts: 197
Rep Power: 5
DillonB92 is on a distinguished road
Default

ya i have heard that from a few people and on the forum. Its a risk i am going to have to take. though i work 2 jobs now i am still in high school i can't get full time. The general liability insurance is a lot cheaper than i thought! Do you know of any companies that do it. like i have no idea what to even search for.
Reply With Quote
  #4  
Old 08-04-2010, 12:50 PM
rob8804 rob8804 is offline
Junior Member
 
Join Date: Aug 2010
Posts: 14
Rep Power: 5
rob8804 is on a distinguished road
Default

I'm interested in this too. What kind of insurance do you owners out there have?

I'm more concerned with liability insurance in case of an accident or lawsuits...

Thanks,
Reply With Quote
  #5  
Old 08-04-2010, 01:47 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

Quote:
Originally Posted by rob8804 View Post
I'm interested in this too. What kind of insurance do you owners out there have?

I'm more concerned with liability insurance in case of an accident or lawsuits...

Thanks,
My company carries two million, I pretty much have to do this in order to bid any commercial jobs plus I am on a standby list in the winter for the city, we do loader work for pushing banks back of loading snow into trucks to be hauled away.

All equipment is insured as are vehicles and trailers, all in I pay around three grand a year, and that is with a 30+ perfect driving record and never a claim even on my homeowners insurance. All my vehicles/trailers/equipment with wheels and or tracks has GPS motion activated tracking.
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #6  
Old 08-04-2010, 06:16 PM
MountainViewGreenskeeper's Avatar
MountainViewGreenskeeper MountainViewGreenskeeper is offline
Senior Member
 
Join Date: Jan 2010
Location: Mesa, AZ
Posts: 473
Rep Power: 5
MountainViewGreenskeeper is on a distinguished road
Default

Quote:
Originally Posted by picframer View Post
My company carries two million, I pretty much have to do this in order to bid any commercial jobs plus I am on a standby list in the winter for the city, we do loader work for pushing banks back of loading snow into trucks to be hauled away.

All equipment is insured as are vehicles and trailers, all in I pay around three grand a year, and that is with a 30+ perfect driving record and never a claim even on my homeowners insurance. All my vehicles/trailers/equipment with wheels and or tracks has GPS motion activated tracking.
Is that 2 mill aggregate? Cause its the same for me then. How much is the GPS motion thing never looked into it but would be worth the investment in my eyes.?
__________________
Colton
Mountain View Greenskeeper proudly offering yard care in the East Valley of Arizona.
Reply With Quote
  #7  
Old 08-04-2010, 06:53 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

Quote:
Originally Posted by MountainViewGreenskeeper View Post
Is that 2 mill aggregate? Cause its the same for me then. How much is the GPS motion thing never looked into it but would be worth the investment in my eyes.?
Yes it is aggregate.

I honestly do not know what the GPS costs are as I own part of the company that has the rights to the product and we only wholesale, other issue is it can only be used in Canada due to wireless rules.

I just looked up a few that I am familiar with on your side of the border

http://tracking.positrace.com/vehicl...FQ4NDQodUV2a4A

http://www.advantrack.com/


If you have any questions, I can no doubt answer them, my other company went from no experience to the largest in Canada in 8 years, has around 450 employees.
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #8  
Old 08-04-2010, 08:07 PM
MountainViewGreenskeeper's Avatar
MountainViewGreenskeeper MountainViewGreenskeeper is offline
Senior Member
 
Join Date: Jan 2010
Location: Mesa, AZ
Posts: 473
Rep Power: 5
MountainViewGreenskeeper is on a distinguished road
Default

Quote:
Originally Posted by picframer View Post
I just looked up a few that I am familiar with on your side of the border

http://tracking.positrace.com/vehicl...FQ4NDQodUV2a4A

http://www.advantrack.com/


If you have any questions, I can no doubt answer them, my other company went from no experience to the largest in Canada in 8 years, has around 450 employees.
sweet i'll look into it. Thank you
__________________
Colton
Mountain View Greenskeeper proudly offering yard care in the East Valley of Arizona.
Reply With Quote
  #9  
Old 08-04-2010, 08:50 PM
LawnMoore's Avatar
LawnMoore LawnMoore is offline
Mr. Moore
 
Join Date: Jul 2010
Location: Suwannee River Florida
Age: 29
Posts: 288
Rep Power: 5
LawnMoore is on a distinguished road
Default

I just turned 25!! so my insurance is only $50 a month on my truck finally..

I have 2 million aggregate 1 million per claim, fully insured for tree removal, landscaping, and landscape maintenance : $960.50 per year.

Keep in mind i have on the book records of 9 years in the tree removal industry, with 7 of those climbing/foreman, and that might help me get a little cheaper tree removal ins., i dont know.

I know it depends on how many employees you have in FLorida, not sure about anywhere else.

I have me and 1 full time employee covered. If i went with 2 employees, it was like an additional 200$

good luck, oh for me to get 1 million in just landscape maintenace,(lawn mowing) was 650ish for the year.

So you might be around that mark, and you can try progressive or some of the major brands, aflak, state farm, etc.. Oh maybe geiko..
__________________
(352)682-3094 Suwannee River, Florida 32680

Visit my site, http://www.lawnmoore.com, Thanks!
Reply With Quote
  #10  
Old 08-05-2010, 12:43 AM
DillonB92's Avatar
DillonB92 DillonB92 is offline
Senior Member
 
Join Date: Jul 2010
Location: Memphis, TN
Posts: 197
Rep Power: 5
DillonB92 is on a distinguished road
Default

oh man that will be the day! i know when my mom put me on her insurance it made her and my dads triple! I don't do to much with trees. I did cut one down but it was with the owner. He was telling me how to do it since he knew i was just getting started. It was a family friend. would be nice to have though. What part of Florida are you from? I was born in kissimmee.


'I have 2 million aggregate 1 million per claim"

what does that mean exactly? what is the insurance called? is it comercial insurance?
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 kkkkkkk Community Assistance 5 04-15-2010 12:27 PM
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
looking for insurance coronaldi General Business Discussions 1 01-16-2006 10:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Facebook
element009
03-23-2011 09:36 AM
Today 12:08 PM
by Knaubone
37 9,850
Ideas on a large bid
Knaubone
Today 11:57 AM
Today 11:57 AM
by Knaubone
0 23
Repair or replace the...
lxarth
12-17-2014 05:07 PM
Today 10:21 AM
by lxarth
8 252
Stander Vs. Zt
totalscape
Yesterday 07:57 PM
Today 09:35 AM
by rmccutchan
3 70
what do you "love" to...
calebmoss
07-06-2011 10:05 PM
Today 12:52 AM
by rmccutchan
31 9,027
I'm BACK!
SuperiorPower
12-16-2014 11:08 PM
Yesterday 11:33 PM
by SuperiorPower
7 246
These are the days on...
ExtremeLawncareServices
03-22-2014 10:12 AM
12-19-2014 09:45 PM
by ExtremeLawncareServices
189 16,705
Georgia Boys!
Chilehead
12-18-2014 10:23 PM
12-19-2014 09:36 PM
by Chilehead
2 112
Employee job training...
brookline
12-15-2014 08:15 PM
12-19-2014 07:48 PM
by SuperiorPower
9 346
Hello from Md
homey
12-17-2014 06:55 PM
12-19-2014 06:00 PM
by homey
5 196
Has Obamacare helped or...
Steve
12-18-2014 04:37 PM
12-19-2014 05:43 PM
by stevef1201
3 136
What Fertilizer to Use?
acrajchel
04-07-2014 02:56 PM
12-17-2014 01:11 PM
by Steve
23 3,005
Grass hopper mower
ExtremeLawncareServices
12-05-2013 09:51 AM
12-17-2014 09:40 AM
by SuperiorPower
34 6,156
Peco Bagger
AGPS
11-18-2014 02:20 PM
12-17-2014 09:13 AM
by SuperiorPower
15 1,356
New to Gopher Haul-from...
323k13l
12-12-2014 10:34 PM
12-15-2014 02:58 PM
by Steve
3 321
hi
creteland
12-12-2014 09:06 AM
12-15-2014 01:45 PM
by Steve
5 316
New addition to my small...
googus
12-12-2014 07:36 PM
12-15-2014 07:47 AM
by googus
4 389
Ferris IS700Z
rmccutchan
12-14-2014 01:10 AM
12-14-2014 11:41 PM
by rmccutchan
4 284
Charge what the market...
Billy Goat
12-09-2014 12:39 PM
12-14-2014 06:39 PM
by biglee
20 834
Hi from IL
steveinil
11-25-2014 02:07 PM
12-12-2014 07:18 AM
by steveinil
4 834
Utility Company Right of...
eastsidelandcare
12-11-2014 04:54 PM
12-11-2014 04:54 PM
by eastsidelandcare
0 296
leaf removal
Double J LLC
10-03-2014 05:24 PM
12-11-2014 04:50 PM
by eastsidelandcare
33 4,130
suggestions on full lawn...
Brian3137
12-10-2014 07:18 PM
12-11-2014 03:41 PM
by Steve
6 417
new to me box truck
jrayb39667
03-06-2014 11:20 PM
12-11-2014 09:43 AM
by Sprinkler Buddy
18 3,411
Hello from SW FL!!
5StarLawnscaping
12-05-2014 02:35 PM
12-10-2014 02:45 PM
by WesleySnips
7 661
Echo pb200 blower fuel...
googus
12-06-2014 09:03 PM
12-09-2014 06:35 PM
by Steve
3 509
Are you prepared for the...
Steve
12-02-2014 04:13 PM
12-09-2014 06:22 PM
by Steve
7 932
Email Address Name
Just Cuts
12-07-2014 09:49 PM
12-08-2014 03:15 PM
by Steve
3 452
Inspection form
stevef1201
12-07-2014 10:38 AM
12-08-2014 03:10 PM
by Steve
1 451
Truck, Trailer,...
hawthornelawncare
12-23-2011 01:01 AM
12-08-2014 12:37 PM
by jrs.landscaping
108 34,251
Back Pack Blower
Ian Lovejoy
11-09-2014 08:41 AM
12-07-2014 06:35 PM
by stevef1201
24 1,746
Innovation by mandate
bayoubandit
11-29-2014 01:33 PM
12-06-2014 03:27 PM
by SGL1
12 998
Trying something new,...
ExtremeLawncareServices
09-21-2014 10:07 PM
12-05-2014 11:06 AM
by Steve
9 2,293
Good help is hard to find
Hanks Lawn Care Services
11-19-2014 03:27 PM
12-04-2014 01:32 PM
by stevef1201
15 1,477
How many hours is too...
Just Cuts
12-04-2014 09:00 AM
12-04-2014 01:02 PM
by Just for Cuts
6 635
Does this sound like a...
googus
12-03-2014 07:47 AM
12-04-2014 12:37 PM
by Steve
5 715
New website
Chilehead
11-20-2014 04:39 PM
12-04-2014 12:27 PM
by Steve
14 1,255
New website
SGL1
12-02-2014 10:55 PM
12-03-2014 11:17 PM
by BLC7
19 889
Websites, how long...
Dan Tanner
03-09-2014 08:29 AM
12-03-2014 11:12 PM
by SGL1
21 3,269
I Want to buy old...
ExtremeLawncareServices
10-10-2014 11:04 PM
12-03-2014 10:36 PM
by ExtremeLawncareServices
8 1,892
GPS trackers for...
Billy Goat
12-02-2014 06:09 PM
12-03-2014 07:17 PM
by Steve
8 735
My site is on fronts page
tbtigers03
11-14-2014 05:58 PM
12-03-2014 06:31 PM
by SGL1
17 1,481
Hiring Subs over Temps
Billy Goat
12-02-2014 06:26 AM
12-03-2014 01:24 PM
by Steve
3 662
Thanksgiving cards
Steve
11-10-2008 11:57 AM
12-02-2014 11:11 PM
by SGL1
11 9,554
New parking area
ExtremeLawncareServices
11-07-2014 09:47 PM
12-02-2014 02:17 PM
by jrs.landscaping
12 1,510
Pressure Washing...
WesleySnips
07-31-2014 07:13 PM
12-02-2014 08:47 AM
by SGL1
6 1,533
old contracts
bayoubandit
11-29-2014 11:10 AM
12-01-2014 11:20 AM
by Steve
3 729
Hi to you NOTHERNERS
stevef1201
11-11-2014 05:56 PM
12-01-2014 10:54 AM
by Steve
9 1,302
Lawn care truck
Steve
10-10-2009 03:40 AM
12-01-2014 10:45 AM
by Steve
32 15,220
Intuit Quickbooks...
CDLAWNCARE
11-30-2014 10:19 AM
11-30-2014 10:19 AM
by CDLAWNCARE
0 639
» Popular Tags
2wd 4x4 apartment complex bark blades bob villa care charge collections commercial decorating demonstration edging employee problems equipment rental estimate four wheel drive gopherhaul gravely growing a lawn care business hardscapes hills holiday how much to charge husqvarna hydraulic jobs labor cost landscape services 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 seo lawn care website lawn care website seo lighting lighting brass outdoor lights mr dave mulch mulch estimate new buisness new mower past due patio install per hour service podcast pto push versus ride running a business scag v-ride scripts seo shell small engine repair snow sprayer starting a business steve trailer tree trimmer rack truck new used landscape turfgrass consulting up sell employee won't return wood
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 01:58 PM.


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

All times are GMT -5. The time now is 01:58 PM.

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