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 Question


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 09-19-2010, 09:35 PM
CanadayLandscaping's Avatar
CanadayLandscaping CanadayLandscaping is offline
Member
 
Join Date: Sep 2010
Location: North Carolina
Age: 41
Posts: 69
Rep Power: 6
CanadayLandscaping is on a distinguished road
Default Insurance Question

Things seem to be going in an upward direction for my new venture. However, as far as insurance goes. I have general liability, but a customer that a did a bid on last week said that they require I also carry workers comp insurance. I've heard that is pricey. I hate to get insurance for just one of my clients, seems better to just withdrawal the bid, and just move on. But then again, do a lot of commercial clients require workers comp? I'm in NC if that makes a difference.
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 09-19-2010, 09:46 PM
mark123's Avatar
mark123 mark123 is offline
Senior Member
 
Join Date: Apr 2009
Location: Pennsyltucky
Posts: 1,404
Rep Power: 9
mark123 is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
As far as I know you don't need workers compensation if you have no employees but you must carry it if you have one or more (not including yourself). However, a business can require it for any reason they want. Maybe they use it to weed out the hacks. :dunno:

Last edited by mark123; 09-19-2010 at 09:48 PM.
Reply With Quote
  #3  
Old 09-19-2010, 10:18 PM
CanadayLandscaping's Avatar
CanadayLandscaping CanadayLandscaping is offline
Member
 
Join Date: Sep 2010
Location: North Carolina
Age: 41
Posts: 69
Rep Power: 6
CanadayLandscaping is on a distinguished road
Default

Quote:
Originally Posted by mark123 View Post
As far as I know you don't need workers compensation if you have no employees but you must carry it if you have one or more (not including yourself).
I know the rule in Carolina here, is if your structured as a sole Proprietorship, you must carry it once you have 3 employees.

My concern is, should I get this insurance just to get this one client. I guess i need to get a quote from my agent first, but it seems like I may be doing this clients property just to pay for the insurance, which doesn't make sense.
Reply With Quote
  #4  
Old 09-20-2010, 06:25 AM
mark123's Avatar
mark123 mark123 is offline
Senior Member
 
Join Date: Apr 2009
Location: Pennsyltucky
Posts: 1,404
Rep Power: 9
mark123 is on a distinguished road
Default

Quote:
Originally Posted by CanadayLandscaping View Post
... My concern is, should I get this insurance just to get this one client. I guess i need to get a quote from my agent first, but it seems like I may be doing this clients property just to pay for the insurance, which doesn't make sense.
You should put the cost of the insurance in the bid. Chances are you won't get another job that requires WC for quite some time so they will have to pay for the work and the insurance. Since they require it everyone else that is bidding for the job will have to put it in the cost as well. Breaking even isn't really a good choice.
Reply With Quote
  #5  
Old 09-20-2010, 09:34 AM
turboflyer turboflyer is offline
Junior Member
 
Join Date: Sep 2010
Posts: 8
Rep Power: 6
turboflyer is on a distinguished road
Exclamation use your insurance to target your customers....

some businesses require you to cary workers comp insurance just because they don't want to be liable for anything you or your people do. At the same time business customers will often use the requirement to weed out un-professional (half assed) lawn crews or illegals.

look at your customers, look at who you want to be your customers, look at your employees, costs, and rewards too

My example, to get the starbux i have, i had to have workers comp and liability insurance. liability ins was $750 per $20K in profit each year (and that's with herbisides included)(you might not need to pay so much if you don't spray chemicals)and workers comp insurance is a real scam! it was like $500 per $5000 of business (not profit) per employee.
Here is the key: how much will you report to them? i reported 1 employee, and only 5k$ and now have a document for my workers comp ins. for a year.

I know i'll make more than 500 off starbux this season alone so it was worth it to me! plus now i have that extra insurance so i can bid on other places that require it. professional places that pay big money for big jobs, and they don't mess around with all the haggleing. (the kinds of customers you want!)

oh, and lets not forget now, if you or the person you have working for you that day get hurt on the job YOU'RE INSURED for that!

as for the liability ins, it sets you appart from the guy going door to door. it says if i fling a rock through a window on accident its paid for NOW! not with little johny down the street who will have to mow your lawn for free for the rest of the summer to pay for it???

good luck!

Last edited by turboflyer; 09-20-2010 at 09:37 AM.
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 question wscoolridge Starting a lawn care business. 9 03-15-2010 07:07 AM
16 most common lawn care business insurance question Steve GopherHaul Lawn Care Business Show, Video, Book & Podcast Discussions. 1 01-07-2009 10:30 AM
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
My Invention
biglee
01-11-2015 06:51 PM
Today 10:43 AM
by joshp
20 2,874
fliers
joshp
08-19-2016 03:23 PM
Yesterday 04:24 PM
by Steve
10 622
fert/lawn programs
joshp
08-28-2016 10:43 AM
Yesterday 04:17 PM
by Steve
1 182
Landscaper taking on odd...
WarriorLandscapingCAN
08-07-2016 06:57 PM
08-28-2016 10:31 AM
by joshp
7 789
Review of our lawn care...
Lawnline
07-12-2016 06:40 PM
08-27-2016 10:51 AM
by Steve
7 1,841
Start My Own Business?
mowandblow1980
01-12-2016 07:43 PM
08-25-2016 12:55 PM
by Steve
19 2,177
Looking for new host
Just for Cuts
11-26-2015 06:58 AM
08-24-2016 09:05 PM
by Stephen Alberts
10 1,928
Facebook advertising
Just for Cuts
12-13-2015 07:49 AM
08-24-2016 08:59 PM
by Stephen Alberts
14 13,129
Breaking into commercial...
SGL1
08-19-2016 07:02 AM
08-24-2016 10:12 AM
by mowandblow1980
7 587
Snow Plow
acrajchel
08-17-2016 10:21 AM
08-22-2016 11:21 AM
by Steve
5 560
Quarter Acre Woodland...
ew411
08-16-2016 06:50 AM
08-18-2016 12:25 PM
by Steve
4 544
Bidding Bushhogging
acrajchel
08-15-2016 11:52 AM
08-17-2016 05:32 PM
by acrajchel
4 539
Hello From the Florida...
KevinShuman
08-15-2016 08:57 PM
08-16-2016 01:52 PM
by SC93
2 536
I'm making stupid money...
WarriorLandscapingCAN
08-07-2016 07:07 PM
08-16-2016 12:42 AM
by SC93
5 835
A quick Intro
BLE
08-14-2016 05:17 PM
08-15-2016 10:54 AM
by acrajchel
2 528
New Customer - Gettting...
acrajchel
08-05-2016 05:00 PM
08-15-2016 10:52 AM
by acrajchel
4 801
helping out a friend set...
Doug D
08-13-2016 11:33 AM
08-15-2016 09:45 AM
by Steve
1 537
Small bed job
Bradcook21
08-09-2016 09:52 PM
08-10-2016 03:51 PM
by Steve
1 655
Hello from NoVa
jtwlawn
08-03-2016 11:20 AM
08-09-2016 10:45 AM
by jtwlawn
4 796
How much to charge for...
jymie
03-31-2013 05:59 PM
08-08-2016 04:33 PM
by Steve
27 6,676
Needing a website built
burtle
06-17-2015 09:02 AM
08-07-2016 10:21 AM
by Just for Cuts
18 19,856
New Site Hows it look
Infinitelawn
03-16-2015 10:32 AM
08-07-2016 08:37 AM
by Lawnline
8 11,316
Hey guys! Greetings from...
thegardener
08-05-2016 05:45 AM
08-05-2016 03:26 PM
by Steve
1 700
First Time Bidding-Need...
capitallawncrew
08-01-2016 08:30 AM
08-03-2016 09:52 AM
by Steve
3 703
Show us your stripes
Just for Cuts
05-21-2015 03:07 PM
08-01-2016 08:28 PM
by ExclusiveLawns
7 3,808
» Popular Tags
apartment become an entrepreneur best mower be your own boss bidding break business business education business help business management complex contractor hacks contracts deck lift dethatcher edging entrepreneur entrepreneur education estimate estimates fuel problems fuel pump half moon blade intro introduction jjandm lawncare l.t.rich landscape landscape design landscaping landscaping design company landscaping richmond va landscping lawn lawncare lawnservice lowering grade marketing mulch planting raising grade residential lawn care richmond va richmond virginia lawn care safety scag snowblower snow plowing snow shovel sprayer start a business start a lawn care business start business start up toro timecutter townhome tree tree service video web design websites what to charge work from home z-max z-spray
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 01:02 PM.


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

All times are GMT -5. The time now is 01:02 PM.

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