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 offline
Administrator
 
Join Date: May 2003
Posts: 37,246
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: 10
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: 6
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 offline
Administrator
 
Join Date: May 2003
Posts: 37,246
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: 10
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
I'm Back With The Best...
aduttonater
02-21-2015 12:41 AM
Today 11:59 AM
by jrs.landscaping
61 2,617
Get Help
JohnMartin
Today 04:14 AM
Today 11:31 AM
by brian'slawncare
1 46
Correct me if I'm wrong...
SGL1
Yesterday 02:41 PM
Today 09:20 AM
by SGL1
5 84
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
Yesterday 09:46 PM
by ExtremeLawncareServices
61 5,359
Lawn Care Service in...
Friscobob
04-24-2015 03:33 PM
Yesterday 06:37 PM
by Friscobob
3 137
Buying contracts /...
greenscaper123
Yesterday 04:46 PM
Yesterday 04:46 PM
by greenscaper123
0 46
what's the big deal...
Tony317
04-25-2015 02:19 PM
Yesterday 12:08 PM
by SGL1
2 101
New company in Michigan
SEM
04-24-2015 09:27 PM
Yesterday 05:18 AM
by Sprinkler Buddy
3 102
Total yard rehab
SGL1
04-23-2015 03:59 PM
04-25-2015 08:25 PM
by SGL1
7 201
mowing pic
joshlawncare
04-25-2015 12:34 PM
04-25-2015 08:09 PM
by avetslawncare
1 92
Big (to me) mulch job
tl757
04-23-2015 05:32 PM
04-25-2015 08:01 PM
by avetslawncare
7 211
Newb Question - Multiple...
DependiLawn
04-24-2015 11:36 PM
04-24-2015 11:36 PM
by DependiLawn
0 78
maintandlawndispatch...
SGL1
04-21-2015 03:31 PM
04-24-2015 04:42 PM
by Steve
9 245
Thoughts on Undocumented...
element009
09-25-2011 11:08 AM
04-23-2015 09:32 PM
by Chilehead
56 15,538
Hello Everyone
DesignsByBnC
04-22-2015 04:07 PM
04-23-2015 02:19 PM
by DesignsByBnC
2 126
The upcoming rainy...
5StarLawnscaping
04-21-2015 01:22 PM
04-23-2015 12:54 PM
by Steve
7 224
color fliers?
holymoly
04-18-2015 02:32 PM
04-23-2015 12:50 PM
by Steve
12 392
WARNING! Especially to...
SC93
04-19-2015 12:05 PM
04-22-2015 01:39 PM
by Steve
14 456
Could be great news for...
SC93
04-14-2015 11:06 PM
04-22-2015 01:28 PM
by Steve
15 530
quick pic
joshlawncare
04-14-2015 07:49 PM
04-21-2015 05:01 PM
by joshlawncare
4 365
Got Inspected today
swstout
08-09-2010 10:31 PM
04-21-2015 03:53 PM
by SGL1
10 4,023
Smoked my first belt!
SGL1
04-20-2015 08:46 PM
04-21-2015 03:28 PM
by SGL1
4 192
Pictures of commercial...
avetslawncare
04-01-2015 09:47 PM
04-21-2015 12:47 PM
by Steve
25 1,040
lawn care business...
holymoly
04-18-2015 02:56 PM
04-21-2015 06:18 AM
by holymoly
3 283
landscape insurance
clarkslawn
03-30-2015 10:14 PM
04-20-2015 10:02 PM
by SGL1
4 504
Poll & Discussion...
CHEESE2009
09-16-2011 06:16 PM
04-20-2015 08:20 PM
by avetslawncare
27 5,699
weed
avetslawncare
04-16-2015 07:56 PM
04-20-2015 01:08 PM
by Steve
4 287
Aerating / Dethaching...
Hard-Body lawn & garden
04-12-2015 07:53 PM
04-19-2015 08:49 PM
by Chilehead
17 625
Start LIKING FACEBOOK...
rlclawncare123
02-26-2015 12:06 AM
04-19-2015 09:21 AM
by KJ90
8 1,043
bidding a cemetery....
NPM_LLC
03-28-2015 10:56 AM
04-19-2015 05:26 AM
by RSE
22 1,062
Hustler Raptor
SGL1
04-13-2015 09:27 PM
04-18-2015 07:53 AM
by SGL1
15 544
is craiglist good to...
JBENI
04-16-2015 11:11 AM
04-17-2015 10:25 PM
by Wolf4dk
11 458
Am I missing something...
googus
04-11-2015 06:33 PM
04-17-2015 08:01 PM
by avetslawncare
10 570
Hello
sonny54
04-16-2015 09:49 PM
04-17-2015 03:10 PM
by Steve
1 224
Unreal
Chilehead
04-09-2015 09:12 PM
04-17-2015 08:27 AM
by Chilehead
11 606
starting a lawn care...
JBENI
04-14-2015 09:03 AM
04-17-2015 08:03 AM
by JBENI
14 592
Finally got a warehouse
avetslawncare
03-12-2015 07:52 PM
04-16-2015 07:52 PM
by avetslawncare
23 1,402
New 14 x 7 Enclosed...
whitepropertydetail
04-15-2015 06:46 PM
04-16-2015 03:40 PM
by Steve
1 285
older used dump trucks
SECTLANDSCAPING
09-22-2011 12:33 AM
04-16-2015 12:41 PM
by biglee
21 8,082
Tax Poll
Steve
04-15-2015 02:13 PM
04-15-2015 02:13 PM
by Steve
0 261
lawn care by Aj
aj10261984
04-14-2015 06:50 PM
04-15-2015 01:43 PM
by Steve
2 305
Contact last years...
googus
01-28-2015 08:13 AM
04-15-2015 12:54 PM
by SC93
7 1,302
trying to sign up for...
JBENI
04-14-2015 10:20 AM
04-14-2015 12:11 PM
by Steve
1 875
Charging customers for...
Hard-Body lawn & garden
04-14-2015 07:34 AM
04-14-2015 10:35 AM
by Steve
1 342
New member
Jdlandscaping,LLC
04-11-2015 03:24 PM
04-14-2015 05:45 AM
by Jdlandscaping,LLC
2 365
hello
oasis_greenscapes
04-01-2015 06:18 PM
04-13-2015 12:03 PM
by Steve
8 603
New Member
Greenturion
04-11-2015 02:00 PM
04-13-2015 11:59 AM
by Steve
1 322
Client with...
OldSalt
04-07-2015 09:47 PM
04-13-2015 11:57 AM
by Steve
8 554
Getting rid of "mulched...
Mr. Mow
04-12-2015 04:21 PM
04-13-2015 11:26 AM
by biglee
3 365
String trim BEFORE mow...
Mr. Mow
04-12-2015 08:13 AM
04-13-2015 11:11 AM
by biglee
7 476
» Popular Tags
ad landscaping aerocore apartment bid apartment lawn care estimate applying auger billy goat brushcutter blades bush contract help deliquentaccounts design ditches door hangers employee problems equipment rental estimate ferris flyers foreman free advertising google growing a lawn care business hiring husqvarna jobs john deere quik trac landscape services 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 managing a lawn care business marketing marketing secrets mr dave mulch new business per hour service pricing pto push versus ride running a business secrets to landscaping sell the vision seo shell small engine repair snow plowing square foot starting a lawn care business steep lawns sulky theft toro toro grand stand trailer tree trimmer rack up sell employee web design website website design winterization www.greenturion.co.za
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 01:13 PM.


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

All times are GMT -5. The time now is 01:13 PM.

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