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 > Business > General Business Discussions

General Business Discussions A place to talk about general business discussions.

Think you are insured? THINK AGAIN!!!!!


General Business Discussions

A place to talk about general business discussions.
Reply
 
Thread Tools Search this Thread
  #1  
Old 11-12-2010, 02:10 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,181
Rep Power: 10
Steve has disabled reputation
Default Think you are insured? THINK AGAIN!!!!!

This legal case shows you how quickly your business can become liable for over a million dollars in damage that you may have thought you were covered for but you ultimately were not.

Here is a little background:

Between April 21 and 28, 2008, Jeffrey McGee, an employee of Brake, applied
herbicide to thirteen properties owned by Brake customers. All but one of these customers had a lawn-care maintenance agreement with Brake pursuant to which Brake was obligated to apply a combination of fertilizer and herbicide to the lawns on the clients' properties. McGee was supposed to apply Lesco Momentum, a selective herbicide that kills only weeds, not grass. Instead, he mistakenly applied Lesco Prosecutor, a non-selective herbicide that kills all vegetation. Once Prosecutor has been applied, it immediately begins to kill the plant, although actual plant death usually does not occur until seven to ten days later. There are no antidotes and the effects are irreversible. On April 28, Brake discovered the mistake and identified which properties had been affected by driving by customers' properties to see if their lawns were displaying signs of dead vegetation. Brake incurred costs of approximately $1.2 million to re-sod or re-seed the dead spots.


So as a lawn care provider you would feel oh crap this is a huge screw up, but thank god I am insured right? WRONG!

His insurance company would not insure the incident because of this clause in his contract with the insurance agency.

That particular part of any property that must be restored, repaired
or replaced because 'your work' was incorrectly performed on it.


Read the case here: http://www.ca8.uscourts.gov/opndir/10/11/093874P.pdf

It will make you rethink what being insured really means and it will make you want to read your insurance policy to see if you have such a clause in your contract as well.
__________________
- 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

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 11-12-2010, 04:11 AM
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

Lawn care business tipsLawn Care Business Book
He must have deep pockets, I can't think of any of us that could come up with 1.2 million and the lawns would have to have been massive.

But you are right, you really need to read the fine print, I asked a lot of questions as we work along streams, lakes and the Ocean, I am covered for example if I hit an oil barrel (furnace) and it spills oil however I am not covered for example if I blow a hydraulic line and fluid spills into the water.
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #3  
Old 11-12-2010, 06:38 PM
The Cleaning Doctor's Avatar
The Cleaning Doctor The Cleaning Doctor is offline
Senior Member
 
Join Date: Nov 2009
Location: Helena, MT
Posts: 927
Rep Power: 5
The Cleaning Doctor is on a distinguished road
Default

Yep and you need to read every page. The agent could have even forgot something that you asked to be covered.
__________________
Pat
Reply With Quote
  #4  
Old 11-14-2010, 01:43 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,181
Rep Power: 10
Steve has disabled reputation
Default

Quote:
I am covered for example if I hit an oil barrel (furnace) and it spills oil however I am not covered for example if I blow a hydraulic line and fluid spills into the water.
This is brilliant to think about and ask but how does the average business owner even come up with this stuff to ask their agent?

When you asked your agent about this, did it make you think you needed to do something differently? Or what is the best way to deal with a situation when you learn, something that you can be doing during your daily activities won't be covered if the worst case situation happens?

Are there other situations lawn care business owners should be concerned about and ask their agent if they are covered for such an accident?
__________________
- 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
  #5  
Old 11-14-2010, 05:29 AM
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 Steve View Post
This is brilliant to think about and ask but how does the average business owner even come up with this stuff to ask their agent?

When you asked your agent about this, did it make you think you needed to do something differently? Or what is the best way to deal with a situation when you learn, something that you can be doing during your daily activities won't be covered if the worst case situation happens?

Are there other situations lawn care business owners should be concerned about and ask their agent if they are covered for such an accident?
Sit down before you even go in and think of the worst things that could happen, make a list, type it up and go over it with the agent and have them sign your list that should one of these events or something similar happen, you would be covered under your policy number XXXXXXXX

When I talked to the agent it was simply that I needed peace of mind, I am not real happy about hydraulic leaks as stuff happens, maybe a rock rolls back and pinches a line and oil goes even on the ground.....always think the worst, ask the questions and hope for the best. We were covered for everything else I could come up with.

Accidents are generally not part of the policy, be very cautions guys, lets say you are insured for lawn care, out of the goodness of your heart you fix the customers front steps, something happens and they fall, you are liable and you will not be covered. Anything outside what you tell your agent that you do, and you decide to do it out an act of good will, ask first.

The last thing I would want is a law suit like the one above, it would cripple me financially and I would loose everything I have worked for, that is what we have to remember.

Maybe ever a rock flying from your trailer that your ZTR picked up somehow....think of everything......what happens if a trimmer brakes free from your trailer and hits someone walking down the street. Stuff that will probably never happen, sometimes does.
__________________
Andy
Halifax, Nova Scotia
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
Finally Insured FourSeasons General Talk 8 10-19-2007 10:57 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
need professional advice...
Fiddlers_green
07-20-2014 07:21 PM
Today 12:42 PM
by Steve
3 115
new to me box truck
jrayb39667
03-06-2014 10:20 PM
Today 12:40 PM
by Steve
15 1,292
Need help determining...
Jbss861
07-20-2014 02:33 PM
Today 12:35 PM
by Steve
10 207
Customer letters
kslawn
Today 06:17 AM
Today 12:33 PM
by Steve
1 20
My First Apartment...
SSLCtn
05-26-2014 10:17 PM
Today 12:14 PM
by Steve
14 803
Should I ?
googus
Yesterday 04:06 PM
Today 12:02 PM
by Steve
2 78
Got my first lawn job...
SGL1
06-11-2014 09:19 PM
Today 11:55 AM
by Steve
26 1,095
Scag new "Eliminator"......
ExtremeLawncareServices
07-20-2014 10:45 AM
Today 11:50 AM
by Steve
8 180
Lawn Service back in...
LawnCareMan280
07-18-2014 09:00 PM
Today 11:48 AM
by Steve
4 165
Overspray?
stevef1201
07-21-2014 04:20 PM
Today 11:39 AM
by Steve
3 80
Hello Everyone! Newbie...
SLKlawn
07-17-2014 06:22 PM
Yesterday 01:53 PM
by Steve
6 203
Proper height for lawn
rob lederhilger
05-26-2014 08:01 AM
07-21-2014 02:53 PM
by LawnDoctor
9 602
Blade sharpener
Just for Cuts
07-04-2014 12:31 PM
07-21-2014 01:48 PM
by Steve
9 437
What's my business worth?
Chaz
07-16-2014 01:35 PM
07-21-2014 01:45 PM
by Steve
4 215
Single tree, mow customer
WesleySnips
06-27-2014 10:12 AM
07-21-2014 01:04 PM
by Steve
12 492
1.5 Acre Jungle
WesleySnips
07-15-2014 05:57 PM
07-20-2014 11:31 AM
by ExtremeLawncareServices
21 508
Selling lawns like...
eastsidelandcare
07-17-2014 03:51 PM
07-20-2014 08:03 AM
by kslawn
1 146
Crop Rotation Techniques...
eastsidelandcare
07-17-2014 03:47 PM
07-19-2014 05:40 PM
by kslawn
1 109
Gopher schedule software
Ray
07-18-2014 04:13 PM
07-18-2014 04:13 PM
by Ray
0 110
2006 Chevy fuel pump...
KevinsLawns
07-17-2014 08:39 PM
07-18-2014 11:51 AM
by Steve
1 113
Halfway point of year!
Steve
07-01-2014 12:08 PM
07-18-2014 11:38 AM
by Steve
14 653
I got told to leave and...
gwilson98
06-16-2014 02:07 PM
07-17-2014 11:43 AM
by Steve
16 963
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
07-16-2014 08:38 PM
by ExtremeLawncareServices
73 4,228
Hey guys this is the...
prmenter@gmail.com
07-07-2014 08:23 PM
07-16-2014 08:10 PM
by ExtremeLawncareServices
28 700
Mowing the hills
prmenter@gmail.com
07-08-2014 12:22 PM
07-16-2014 05:00 PM
by Just for Cuts
18 635
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-15-2014 05:38 PM
by icon2000
1,184 318,412
need some help geting...
dalvan0
07-13-2014 09:28 PM
07-15-2014 11:56 AM
by Steve
5 215
new trailer help
mattthelawnguy
07-11-2014 08:21 PM
07-15-2014 11:42 AM
by Steve
9 316
Classified Ad Template...
bcfb
06-05-2013 02:40 AM
07-15-2014 11:16 AM
by Steve
15 3,653
Husqvarna pz 60
CDLAWNCARE
07-06-2014 06:50 PM
07-15-2014 08:53 AM
by kslawn
10 390
Lowballers
Chaz
07-11-2014 03:55 PM
07-14-2014 12:27 PM
by Steve
5 322
My new side job
Sprinkler Buddy
05-10-2014 05:23 AM
07-14-2014 12:15 PM
by Steve
10 785
Illegal spraying
GoGreenerKS
07-04-2014 09:11 AM
07-13-2014 10:36 PM
by GoGreenerKS
10 501
New Mower and Trailer
Chaz
06-25-2014 12:04 PM
07-13-2014 06:25 PM
by SGL1
7 503
What Fertilizer to Use?
acrajchel
04-07-2014 01:56 PM
07-12-2014 07:36 PM
by SGL1
21 1,822
Fuel and fuel additives
SGL1
07-06-2014 10:23 AM
07-11-2014 07:53 PM
by SGL1
15 494
Questions for a patchy...
jumcgee
07-09-2014 08:42 AM
07-11-2014 12:34 PM
by Steve
1 175
toro proline blades wont...
boog
06-25-2014 06:26 PM
07-11-2014 05:28 AM
by kslawn
18 605
Contents of Marketing to...
prmenter@gmail.com
07-09-2014 05:25 PM
07-10-2014 03:23 PM
by Steve
3 259
Shindaiwa
CLB454
05-13-2014 09:04 PM
07-10-2014 03:04 PM
by Steve
14 739
Starting New in FL
mmcuttrim
08-06-2010 09:22 AM
07-10-2014 02:44 PM
by Steve
48 11,190
Bid help 45 on acre...
Priggan
06-26-2014 12:56 PM
07-09-2014 08:38 AM
by kslawn
7 480
need help bidding fence...
veteranslawncaresystems
07-03-2014 10:33 AM
07-08-2014 12:00 PM
by Steve
5 343
Trimmer or Knife?
gwilson98
07-04-2014 09:56 PM
07-07-2014 02:41 PM
by Steve
6 311
Started a New Solar Lawn...
Solar Lawn Care
06-08-2013 01:40 AM
07-07-2014 01:55 PM
by Steve
37 7,369
New Canadian Member
coppervalley
07-04-2014 02:15 PM
07-07-2014 01:12 PM
by Steve
1 211
Happy Independance...
stevef1201
07-04-2014 07:05 AM
07-07-2014 01:01 PM
by Steve
2 211
Echo PE 266 edger
stevef1201
07-01-2014 01:28 PM
07-07-2014 12:47 PM
by Steve
4 290
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
07-06-2014 01:50 PM
by SGL1
21 5,178
Poulan Pro trimmers
SGL1
06-30-2014 11:16 PM
07-05-2014 09:32 PM
by SGL1
20 488
» Popular Tags
34'' ads blades butterfly gardens charge christmas christmas light hanging credit card customers ditches employee problems exmark fall ferris financing first truck franchise georgia gopherhaul grass gravely growing a lawn care business health holiday how much to charge installation invoice kansas city lawn 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 lighting brass outdoor lights marketing mechanic monthly mow mowing mulch price new and restored landscapes new buisness new business organize podcast promotion pto riding mower running a business savannah scag schedule seo social media starting a business start up lawn care business steep lawns stihl sulky top dresser toro toro grand stand tree care trimmer rack walker winter services
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 12:51 PM.


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

All times are GMT -5. The time now is 12:51 PM.

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