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: 6
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: 10
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: 6
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: 10
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: 6
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
Newb Question - Multiple...
DependiLawn
Yesterday 11:36 PM
Yesterday 11:36 PM
by DependiLawn
0 7
New company in Michigan
SEM
Yesterday 09:27 PM
Yesterday 09:27 PM
by SEM
0 15
maintandlawndispatch...
SGL1
04-21-2015 03:31 PM
Yesterday 04:42 PM
by Steve
9 197
Lawn Care Service in...
Friscobob
Yesterday 03:33 PM
Yesterday 04:41 PM
by Steve
1 37
Big (to me) mulch job
tl757
04-23-2015 05:32 PM
Yesterday 04:39 PM
by Steve
4 103
Total yard rehab
SGL1
04-23-2015 03:59 PM
Yesterday 04:39 PM
by Steve
3 82
Thoughts on Undocumented...
element009
09-25-2011 11:08 AM
04-23-2015 09:32 PM
by Chilehead
56 15,481
Hello Everyone
DesignsByBnC
04-22-2015 04:07 PM
04-23-2015 02:19 PM
by DesignsByBnC
2 76
The upcoming rainy...
5StarLawnscaping
04-21-2015 01:22 PM
04-23-2015 12:54 PM
by Steve
7 170
color fliers?
holymoly
04-18-2015 02:32 PM
04-23-2015 12:50 PM
by Steve
12 336
I'm Back With The Best...
aduttonater
02-21-2015 12:41 AM
04-22-2015 07:04 PM
by Just for Cuts
59 2,501
WARNING! Especially to...
SC93
04-19-2015 12:05 PM
04-22-2015 01:39 PM
by Steve
14 401
Could be great news for...
SC93
04-14-2015 11:06 PM
04-22-2015 01:28 PM
by Steve
15 491
quick pic
joshlawncare
04-14-2015 07:49 PM
04-21-2015 05:01 PM
by joshlawncare
4 321
Got Inspected today
swstout
08-09-2010 10:31 PM
04-21-2015 03:53 PM
by SGL1
10 3,975
Smoked my first belt!
SGL1
04-20-2015 08:46 PM
04-21-2015 03:28 PM
by SGL1
4 147
Pictures of commercial...
avetslawncare
04-01-2015 09:47 PM
04-21-2015 12:47 PM
by Steve
25 994
lawn care business...
holymoly
04-18-2015 02:56 PM
04-21-2015 06:18 AM
by holymoly
3 238
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
04-21-2015 03:18 AM
by ExtremeLawncareServices
57 5,224
landscape insurance
clarkslawn
03-30-2015 10:14 PM
04-20-2015 10:02 PM
by SGL1
4 457
Poll & Discussion...
CHEESE2009
09-16-2011 06:16 PM
04-20-2015 08:20 PM
by avetslawncare
27 5,656
weed
avetslawncare
04-16-2015 07:56 PM
04-20-2015 01:08 PM
by Steve
4 247
Aerating / Dethaching...
Hard-Body lawn & garden
04-12-2015 07:53 PM
04-19-2015 08:49 PM
by Chilehead
17 585
Start LIKING FACEBOOK...
rlclawncare123
02-26-2015 12:06 AM
04-19-2015 09:21 AM
by KJ90
8 993
bidding a cemetery....
NPM_LLC
03-28-2015 10:56 AM
04-19-2015 05:26 AM
by RSE
22 1,000
Hustler Raptor
SGL1
04-13-2015 09:27 PM
04-18-2015 07:53 AM
by SGL1
15 505
is craiglist good to...
JBENI
04-16-2015 11:11 AM
04-17-2015 10:25 PM
by Wolf4dk
11 403
Am I missing something...
googus
04-11-2015 06:33 PM
04-17-2015 08:01 PM
by avetslawncare
10 526
Hello
sonny54
04-16-2015 09:49 PM
04-17-2015 03:10 PM
by Steve
1 192
Unreal
Chilehead
04-09-2015 09:12 PM
04-17-2015 08:27 AM
by Chilehead
11 559
starting a lawn care...
JBENI
04-14-2015 09:03 AM
04-17-2015 08:03 AM
by JBENI
14 531
Finally got a warehouse
avetslawncare
03-12-2015 07:52 PM
04-16-2015 07:52 PM
by avetslawncare
23 1,358
New 14 x 7 Enclosed...
whitepropertydetail
04-15-2015 06:46 PM
04-16-2015 03:40 PM
by Steve
1 243
older used dump trucks
SECTLANDSCAPING
09-22-2011 12:33 AM
04-16-2015 12:41 PM
by biglee
21 8,044
Tax Poll
Steve
04-15-2015 02:13 PM
04-15-2015 02:13 PM
by Steve
0 234
lawn care by Aj
aj10261984
04-14-2015 06:50 PM
04-15-2015 01:43 PM
by Steve
2 262
Contact last years...
googus
01-28-2015 08:13 AM
04-15-2015 12:54 PM
by SC93
7 1,263
trying to sign up for...
JBENI
04-14-2015 10:20 AM
04-14-2015 12:11 PM
by Steve
1 714
Charging customers for...
Hard-Body lawn & garden
04-14-2015 07:34 AM
04-14-2015 10:35 AM
by Steve
1 295
New member
Jdlandscaping,LLC
04-11-2015 03:24 PM
04-14-2015 05:45 AM
by Jdlandscaping,LLC
2 324
hello
oasis_greenscapes
04-01-2015 06:18 PM
04-13-2015 12:03 PM
by Steve
8 563
New Member
Greenturion
04-11-2015 02:00 PM
04-13-2015 11:59 AM
by Steve
1 285
Client with...
OldSalt
04-07-2015 09:47 PM
04-13-2015 11:57 AM
by Steve
8 511
Getting rid of "mulched...
Mr. Mow
04-12-2015 04:21 PM
04-13-2015 11:26 AM
by biglee
3 324
String trim BEFORE mow...
Mr. Mow
04-12-2015 08:13 AM
04-13-2015 11:11 AM
by biglee
7 435
Billing methods
jcurr33
03-26-2015 01:33 PM
04-13-2015 11:07 AM
by biglee
15 940
Landscape Fabric
CurbAppeal1
04-10-2015 03:58 PM
04-13-2015 08:02 AM
by Chilehead
4 364
I lost a long term...
Sprinkler Buddy
09-04-2011 02:24 PM
04-12-2015 04:27 PM
by Mr. Mow
17 4,005
Snow removal contracts
CDLAWNCARE
03-31-2015 02:57 PM
04-10-2015 11:37 AM
by kslawn
6 588
Do you have medical...
Steve
09-10-2011 11:46 AM
04-10-2015 11:28 AM
by Steve
17 5,299
» Popular Tags
ad landscaping aerocore apartment bid apartment complex auger bark billy goat brushcutter blades bush collections deliquentaccounts design ditches employee problems equipment rental estimate ferris flyers foreman free advertising google grass growing a lawn care business hills hiring husqvarna jobs john deere quik trac landscape services landscaping training lawn lawn care lawn care business seo lawn care business website lawn care business website seo lawn care seo lawn care website lawn care website seo lawn mowing marketing marketing secrets mr dave mulch new business past due per hour charge per hour service pricing pto push versus ride running a business secrets to landscaping sell the vision seo shell small engine repair square foot starting a lawn care business steep lawns sulky theft toro grand stand trailer tree trimmer rack up sell employee web design website website design winterization
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 12:59 AM.


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

All times are GMT -5. The time now is 12:59 AM.

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