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, 12:22 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, 12:30 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, 11:41 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

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, 11:50 AM
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, 12:47 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, 05:16 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, 05:53 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, 07:07 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, 07:50 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 08-04-2010, 11:43 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

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 11:27 AM
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
looking for insurance coronaldi General Business Discussions 1 01-16-2006 09:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Trying something new,...
ExtremeLawncareServices
Yesterday 09:07 PM
Today 04:57 PM
by Steve
2 121
Kohler command carb...
ExtremeLawncareServices
Yesterday 03:09 PM
Today 04:52 PM
by Steve
4 166
Not sure, but anyone do...
SnowRemoval2k14
Today 12:10 AM
Today 04:49 PM
by Steve
1 105
Tribulations of working...
stevef1201
09-13-2014 08:37 AM
Today 04:45 PM
by Steve
9 591
Mulching beds
Bradcook21
Yesterday 07:43 AM
Today 04:43 PM
by Steve
3 189
This sucks...
Matther777
09-18-2014 04:56 PM
Today 04:41 PM
by Steve
10 501
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Today 04:37 PM
by Steve
121 8,457
Replacing a Shindi T-27
Dan Tanner
09-13-2014 12:59 PM
Today 04:36 PM
by Steve
3 597
Scag turf tiger hydrolic...
ExtremeLawncareServices
09-04-2014 10:55 PM
Today 04:35 PM
by Steve
12 956
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
Today 09:04 AM
by CLB454
23 6,346
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
Yesterday 09:23 PM
by ExtremeLawncareServices
3 922
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
09-19-2014 03:29 PM
by acrajchel
6 1,126
snowplowing
jshak40
09-01-2014 07:20 AM
09-19-2014 11:49 AM
by Steve
23 1,519
Looking for feed back on...
ExtremeLawncareServices
09-17-2014 08:38 AM
09-19-2014 08:17 AM
by ExtremeLawncareServices
9 535
Lowballers scrubs &...
Darksteel
01-13-2014 07:35 AM
09-18-2014 06:32 PM
by Northwoods Outdoors
58 6,925
Hello from upstate NY!
A&MLawn&Snow
09-18-2014 11:19 AM
09-18-2014 04:10 PM
by Sprinkler Buddy
2 384
Price to apply fertilizer
SS.Lawncare
09-15-2014 11:10 AM
09-18-2014 01:16 PM
by Steve
9 644
Trailer tires
J.A.S.LawnService
09-01-2014 10:17 AM
09-17-2014 09:57 PM
by curts lawn care
4 1,036
new to the forum
SGlawncare
09-16-2014 11:20 PM
09-17-2014 08:29 PM
by curts lawn care
3 459
Help With Snow Blowing...
Robertf31
09-13-2014 10:55 PM
09-17-2014 12:34 PM
by Steve
11 805
Non-Stop Summer?
SouthallMowing
09-14-2014 10:51 PM
09-17-2014 10:48 AM
by stevef1201
6 588
Poll - net income
Dan5082
11-15-2010 08:08 PM
09-16-2014 04:44 PM
by jrs.landscaping
12 3,323
Getting lowballed!
PineHillLawn
06-27-2012 07:23 AM
09-16-2014 01:25 PM
by jrs.landscaping
24 5,029
Compare this summer to...
Steve
09-03-2014 12:52 PM
09-16-2014 11:20 AM
by Hanks Lawn Care Services
15 1,239
thinking about throwing...
veteranslawncaresystems
09-09-2014 10:31 PM
09-15-2014 03:41 PM
by Steve
12 916
Hello
Robertf31
09-12-2014 10:34 PM
09-15-2014 03:17 PM
by Steve
2 500
Newbie......Again
Jibber
09-13-2014 12:17 PM
09-15-2014 02:54 PM
by Sprinkler Buddy
2 603
need help with starter...
GoGreenerKS
09-12-2014 04:23 PM
09-15-2014 02:25 PM
by Steve
3 521
Brake job!
kslawn
08-30-2014 07:49 AM
09-15-2014 02:16 PM
by Steve
12 1,236
Hello
jawnebgoode
08-28-2014 08:37 PM
09-15-2014 02:15 PM
by Steve
3 1,006
Employee uniforms
Gerardo_Landscape
01-21-2014 11:11 PM
09-15-2014 02:12 PM
by Steve
5 1,126
Greetings from the north
Northwoods Outdoors
09-13-2014 08:55 AM
09-15-2014 02:07 PM
by Steve
1 489
darleneh
darleneh
09-15-2014 12:33 PM
09-15-2014 02:07 PM
by Sprinkler Buddy
1 501
My 1st bid
WesleySnips
06-11-2014 03:13 PM
09-15-2014 02:05 PM
by Steve
29 1,913
New Aerator
Chaz
09-09-2014 11:43 PM
09-15-2014 01:50 PM
by Steve
9 747
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
09-15-2014 01:23 PM
by stevef1201
8 1,407
getting ready to start
calebmoss
05-23-2011 09:35 PM
09-11-2014 12:21 PM
by Steve
34 11,395
Stihl pull cord replace
SGL1
09-03-2014 09:22 PM
09-10-2014 12:25 PM
by Steve
9 919
Softball field
kslawn
08-15-2014 09:28 AM
09-10-2014 12:16 PM
by Steve
18 1,678
Lawn Route Templates
Landscaper1165
08-30-2014 01:52 PM
09-09-2014 08:05 PM
by Landscaper1165
4 1,163
New truck and trailer...
Johnny Rocket
05-14-2012 03:41 PM
09-09-2014 07:23 PM
by Matther777
18 6,737
What gets you bad press?
Steve
09-09-2014 11:48 AM
09-09-2014 07:21 PM
by Matther777
2 616
Signs on your snow plow?
Steve
01-15-2007 01:07 AM
09-09-2014 11:42 AM
by Steve
19 6,365
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
09-08-2014 08:08 PM
by avetslawncare
12 1,447
New to the business
flamingyouth87
09-05-2014 11:52 AM
09-08-2014 11:55 AM
by Steve
3 835
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
09-08-2014 11:51 AM
by Steve
7 1,132
Facebook
element009
03-23-2011 08:36 AM
09-07-2014 07:35 AM
by avetslawncare
24 7,902
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
09-06-2014 02:09 PM
by Bradcook21
8 1,220
billing matters
sbuchanan8154
09-05-2014 09:56 AM
09-05-2014 03:00 PM
by Steve
3 809
Thoughts
googus
09-05-2014 07:28 AM
09-05-2014 02:23 PM
by Steve
2 746
» Popular Tags
4wd apartment complex auger birdscaping blades charge christmas lighting collections credit card processing customers decorating ditches exmark ferris first truck fundraiser georgia gopherhaul grass gravely growing a lawn care business holiday lighting how much to charge how to bid husqvarna john deere quik trac kansas city 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 leaf leaf removal lighting brass outdoor lights marketing mulch estimate new and restored landscapes new buisness past due podcast promotion pto redmax rotating running a business savannah scag season seo small engine repair snow sprayer starting a business start up lawn care business stihl top dresser toro toro grand stand trailer trimmer rack turfgrass consulting walker
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 05:01 PM.


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

All times are GMT -5. The time now is 05:01 PM.

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