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 > Trials & Tribulations - The drama of running a business and of life.

Trials & Tribulations - The drama of running a business and of life. It's not as easy as it looks. Running a business is full of drama. Customers, employees, money, family, time. You name it, it's a problem. Share with us your drama and how you handled it.

Broken Glass


Trials & Tribulations - The drama of running a business and of life.

It's not as easy as it looks. Running a business is full of drama. Customers, employees, money, family, time. You name it, it's a problem. Share with us your drama and how you handled it.
Reply
 
Thread Tools Search this Thread
  #11  
Old 12-23-2010, 06:06 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
In such situations where even if you do have insurance, isn't it possible, most insurance deductibles are going to be higher than the $350? So, in general, wouldn't you basically have to pay for it out of your own pocket anyway?

If that is the case, does it make sense to keep a certain amount of cash on hand to cover such events from happening or no?
My deductible is $500.00, I guess the thing to learn is what if someone were inside the house or even outside and the rock hit them, for the price of insurance, the risk simply isn't worth it. If your auto insurance were to discover you were using a vehicle for commercial purpose(s) and not insured commercial, should you have an accident you are SOL, I know this as I have read about it locally, it goes down hill fast in this case, min fine here when the police determine this is $1,500.00, it gets recorded on your driving abstract which increases your insurance when you do get proper coverage.

This is why an emergency fund is important and discussed in another thread, in my case the glass would have been replaced the same day, people talk to neighbours, friends, their network which can have a very bad effect on our name. Even in a big city, it's a small world and with the Internet a tremendous amount of damage can be done to our name if the client is upset.
__________________
Andy
Halifax, Nova Scotia
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


  #12  
Old 12-23-2010, 12:30 PM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,979
Rep Power: 10
Steve has disabled reputation
Default

Lawn care business tipsLawn Care Business Book
If nothing is done to resolve this situation and maybe the customer drops it, does anyone feel there will still be downsides to it? If so, what do you feel they could be?

How do you feel these downsides will effect his lawn care business?
__________________
- 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
  #13  
Old 12-23-2010, 02:39 PM
Hedgemaster Hedgemaster is offline
new member
 
Join Date: Jul 2010
Location: Pittsburgh, PA
Posts: 2,772
Rep Power: 0
Hedgemaster is on a distinguished road
Default

Quote:
Originally Posted by picframer View Post
My deductible is $500.00, I guess the thing to learn is what if someone were inside the house or even outside and the rock hit them, for the price of insurance, the risk simply isn't worth it. If your auto insurance were to discover you were using a vehicle for commercial purpose(s) and not insured commercial, should you have an accident you are SOL, I know this as I have read about it locally, it goes down hill fast in this case, min fine here when the police determine this is $1,500.00, it gets recorded on your driving abstract which increases your insurance when you do get proper coverage.

This is why an emergency fund is important and discussed in another thread, in my case the glass would have been replaced the same day, people talk to neighbours, friends, their network which can have a very bad effect on our name. Even in a big city, it's a small world and with the Internet a tremendous amount of damage can be done to our name if the client is upset.
You know, I was VERY concerned about this initially. I assumed that if I were to use my truck for business purposes and have an accident while out on a job, that my insurance company would deny coverage. That is not the case.

I confirmed this with my own auto insurance agent as well as the agent I ultimately went with for my business insurance. I was concerned that I needed to "change" or "update" my auto policy as I would be using the truck for "business". They both explained that I ONLY needed to get a "commercial" policy if (a) I were a "company/LLC", (b) have employees who will drive said vehicle, or (c) titled the truck in my company name. (which is essentially the same as "a")

So long as I have the truck titled in my name, the policy that I've had all these years covers everything in the exact same way. Whether I'm going to the grocery store with my wife, or as my agent put it, "Going from job "a" to job "b", and you have an accident, you are covered." He said, "Allstate would cover damage to your vehicle/other vehicles, but not your trailer, or equipment". (unless you had a policy with that additional coverage)


All that said, one million dollars worth of business liability insurance is not unaffordable... I found a place that was only $167/yr.
In today's "sue-happy" society, it's just nuts to risk injuring someone without having insurance.
Reply With Quote
  #14  
Old 12-23-2010, 05:19 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 Hedgemaster View Post
You know, I was VERY concerned about this initially. I assumed that if I were to use my truck for business purposes and have an accident while out on a job, that my insurance company would deny coverage. That is not the case.
Best to ask, where I live you are not covered, I asked and I have read in the paper small comapnies having to file bankruptcy because they did not have commercial auto insurance.
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #15  
Old 01-06-2011, 06:38 PM
tjgray tjgray is offline
Members
 
Join Date: Mar 2005
Location: Dallas, Texas
Age: 45
Posts: 104
Rep Power: 10
tjgray
Default

Quote:
Originally Posted by Steve View Post
In such situations where even if you do have insurance, isn't it possible, most insurance deductibles are going to be higher than the $350? So, in general, wouldn't you basically have to pay for it out of your own pocket anyway?

If that is the case, does it make sense to keep a certain amount of cash on hand to cover such events from happening or no?
Steve I really enjoy your emailed links to some of the hot topics going on here in the gopher forums...

Despite being busy and never having the time to post much anymore *can you believe we are still doing leaf clean-ups...in January* there is always one or two subjects being discussed that compells me to stop by

This very same thing happened to us this season...well not the no insurance part because we have insurance but the window ended up costing just under our $500 deductable...

We paid for the new window and I made sure every one on our crew knew that they would no longer be weedeating rocks that were right beside windows.

Far as I am concerned if you can't afford to be in this business legally then you shouldn't be in it!

Be lucky it wasn't a child's eye that the rock hit and buy the new window!!
__________________
Tara Gray
Green Paws Lawn Care
http://www.greenpawslawncare.com
Reply With Quote
  #16  
Old 01-07-2011, 01:25 AM
bgiannin bgiannin is offline
new member
 
Join Date: Dec 2010
Posts: 1
Rep Power: 0
bgiannin is on a distinguished road
Default

I don't know why anyone legit would want to help you in this situation. All the guys out there without licenses insurance, or permits are screwing everyone else who is running a BUSINESS.
Reply With Quote
  #17  
Old 01-07-2011, 01:32 AM
JL ProCut JL ProCut is offline
Junior Member
 
Join Date: Dec 2010
Location: St Petersburg, FL
Age: 41
Posts: 20
Rep Power: 5
JL ProCut is on a distinguished road
Default

I'm going to copy and paste the first post and e-mail it to all my customers and let them know why they are lucky to have me
A LICENSED & INSURED CONTRACTOR
on their property and not some hack looking to duck out on repairing damages he caused.
__________________
John @ ProCut Turf Management
former sn: ProCut TM went down so this is my new sn
Reply With Quote
  #18  
Old 01-07-2011, 05:38 AM
mark123's Avatar
mark123 mark123 is offline
Senior Member
 
Join Date: Apr 2009
Location: Pennsyltucky
Posts: 1,402
Rep Power: 7
mark123 is on a distinguished road
Default

Quote:
Originally Posted by JL ProCut View Post
I'm going to copy and paste the first post and e-mail it to all my customers and let them know why they are lucky to have me
A LICENSED & INSURED CONTRACTOR
on their property and not some hack looking to duck out on repairing damages he caused.
That is a most excellent idea!
Reply With Quote
  #19  
Old 01-07-2011, 06:25 AM
aduttonater aduttonater is offline
Member
 
Join Date: Apr 2010
Location: Tucson, Arizona
Posts: 89
Rep Power: 5
aduttonater is on a distinguished road
Default

Quote:
Originally Posted by JL ProCut View Post
I'm going to copy and paste the first post and e-mail it to all my customers and let them know why they are lucky to have me
A LICENSED & INSURED CONTRACTOR
on their property and not some hack looking to duck out on repairing damages he caused.
Why would you do that?

Just to update everyone on my situation. I have had the window fixed, two days ago on the 5th. I was able to find someone off Craigslist to do the job for $200 saving me around $150.

Since the job was $75, and I didn't get paid the day I broke the window, I was able to subtract that from the $200.

On the 31st I had a job where I hauled away some debris, including some nice XIX 20'' rims and tires (2 damaged). 3 days later into the new year on the 3rd, I was able sell them on Craigslist for $100. Using that $100 towards the glass repair, I was able to resolve the problem, and still owe only $25. I offered to pay it to her along, with a free yard clean up just for the inconvenience.

Broken Class Repaired!
__________________
It takes at least two steps to be 3 steps ahead!
Reply With Quote
  #20  
Old 01-07-2011, 07:52 AM
mark123's Avatar
mark123 mark123 is offline
Senior Member
 
Join Date: Apr 2009
Location: Pennsyltucky
Posts: 1,402
Rep Power: 7
mark123 is on a distinguished road
Default

Quote:
Originally Posted by aduttonater View Post
Why would you do that? ...
It's a good example to customers of who not to hire. Did you get insurance yet?
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
Broken apple tree branch justin_time Tree Care, Irrigation, Landscaping, Hardscapes 5 08-19-2010 10:39 PM
Broken contract SECTLANDSCAPING Trials & Tribulations - The drama of running a business and of life. 9 05-11-2010 04:10 PM
Stained Glass Business Steve Franchise Building, Entrepreneurs, Business Leaders, & Innovators Discussions 2 10-01-2008 11:05 PM
broken window quickcleanlawn General Talk 18 05-01-2008 12:25 AM
Broken Finger tiedeman Lawn Maintenance / Lawn Renovation 6 09-04-2007 07:14 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Facebook
element009
03-23-2011 09:36 AM
Today 01:37 AM
by ExtremeLawncareServices
50 11,686
rock salt
Bradcook21
02-24-2015 11:17 AM
Today 01:11 AM
by ExtremeLawncareServices
14 327
stubbon people
Bradcook21
02-16-2015 04:25 PM
Yesterday 07:42 PM
by SC93
32 1,084
price for snow clearing?
Bradcook21
02-25-2015 09:11 PM
Yesterday 04:01 PM
by Bradcook21
3 106
Blade sharpener
Just for Cuts
07-04-2014 01:31 PM
Yesterday 03:43 PM
by Mr. Mow
15 1,673
viking cyclon.
uppercut
01-29-2015 09:12 PM
Yesterday 02:54 PM
by Steve
5 472
Ugliest lawn contest
Steve
02-23-2015 04:17 PM
Yesterday 02:51 PM
by Steve
2 230
Start LIKING FACEBOOK...
rlclawncare123
Yesterday 01:06 AM
Yesterday 02:41 PM
by Steve
1 66
Another website update
Chilehead
Yesterday 11:24 AM
Yesterday 12:46 PM
by Just for Cuts
3 72
tips on creating a...
BLAZIER-1991
01-08-2015 07:22 PM
Yesterday 02:44 AM
by ExtremeLawncareServices
5 679
New Lawn Care Service...
rlclawncare123
Yesterday 12:49 AM
Yesterday 02:24 AM
by ExtremeLawncareServices
1 74
Finally!
SGL1
02-22-2015 09:46 PM
02-25-2015 10:15 PM
by SGL1
13 411
leaf removal.. mulching...
facework84
08-05-2011 03:26 PM
02-25-2015 08:07 PM
by Steve
5 2,755
How many customers?
SC93
02-25-2015 12:40 AM
02-25-2015 04:59 PM
by SC93
5 192
Irrigation...
charlieallen
02-24-2015 01:16 PM
02-25-2015 02:58 PM
by Steve
6 193
use a small business...
BLAZIER-1991
12-25-2014 12:21 AM
02-25-2015 12:46 AM
by SC93
33 2,744
I'm Back With The Best...
aduttonater
02-21-2015 01:41 AM
02-24-2015 08:32 PM
by ExtremeLawncareServices
9 447
honest opinion please
uppercut
02-17-2015 02:30 AM
02-24-2015 07:12 PM
by homey
10 606
2nd year advice anyone
Bradcook21
02-18-2015 07:00 PM
02-24-2015 05:15 PM
by Bradcook21
14 588
need help
lawnexpers115
02-23-2015 05:36 PM
02-24-2015 02:49 PM
by Steve
3 234
Hello People
nativikee
02-23-2015 07:17 PM
02-24-2015 02:43 PM
by Steve
4 234
New member
qua ke zik 001
02-23-2015 11:24 AM
02-23-2015 03:40 PM
by Steve
1 196
New Video
Sprinkler Buddy
02-22-2015 09:18 PM
02-23-2015 03:19 PM
by Sprinkler Buddy
2 229
need help with SCAG...
apmAkron
02-23-2015 09:14 AM
02-23-2015 01:57 PM
by apmAkron
3 220
which degrees would be...
BLAZIER-1991
02-20-2015 04:46 PM
02-23-2015 01:47 PM
by Steve
9 379
Trouble logging in
avetslawncare
02-21-2015 02:06 PM
02-23-2015 01:44 PM
by Steve
1 420
John Deere Quik Track...
acrajchel
02-20-2015 03:12 PM
02-23-2015 01:40 PM
by Steve
1 254
Trimming and...
joshlawncare
02-15-2015 02:04 PM
02-22-2015 09:48 PM
by SGL1
5 586
where can i post this
zippy-phil
02-17-2015 07:58 PM
02-20-2015 02:02 PM
by Steve
7 469
These are the days on...
ExtremeLawncareServices
01-11-2015 11:41 AM
02-19-2015 04:43 PM
by ExtremeLawncareServices
29 2,592
Thumbs up or down?
lawnman1959
02-18-2015 11:40 AM
02-19-2015 01:22 PM
by Chilehead
3 385
Am I growing too fast?
Mattcrump
08-04-2011 11:54 PM
02-19-2015 12:34 PM
by Steve
11 5,173
Say Hello !!!
Steve
03-19-2007 12:18 PM
02-19-2015 12:31 PM
by Steve
1,215 371,359
How to obtain more...
winkie61
02-17-2015 08:31 AM
02-19-2015 12:29 PM
by Steve
3 477
Mowing 2 acres
Bradcook21
01-05-2015 03:13 PM
02-19-2015 12:23 PM
by Steve
16 1,424
How to sell annual...
GroPro
02-17-2015 12:31 PM
02-18-2015 01:46 PM
by GroPro
5 472
FREE Custom Website...
breadcrumb
01-31-2015 10:58 PM
02-18-2015 01:32 PM
by Steve
5 1,070
Taking a step back
Billy Goat
02-16-2015 07:37 AM
02-18-2015 01:17 PM
by Chilehead
9 554
Employees
stevej
02-17-2015 05:25 PM
02-18-2015 12:47 PM
by Mr. Mow
1 371
Landscapers from hell!!
Chilehead
01-29-2015 03:55 PM
02-17-2015 07:48 PM
by ExtremeLawncareServices
9 978
Cannot access your Itune...
winkie61
02-17-2015 10:00 AM
02-17-2015 03:26 PM
by Steve
1 331
Advertising on internet...
Sprinkler Buddy
02-13-2015 01:22 PM
02-17-2015 01:00 PM
by Steve
9 624
new to this forum
NIP'N'TUK
02-14-2015 07:54 PM
02-16-2015 10:03 PM
by Steve
2 459
Advice on bidding 20...
sleepydunn
02-15-2015 07:38 PM
02-16-2015 09:59 PM
by Steve
4 562
New to me mower
xandrew245x
04-27-2014 08:02 PM
02-16-2015 09:48 PM
by Steve
8 1,359
mower blades
tlf59263
02-09-2015 12:36 PM
02-16-2015 05:16 PM
by Just for Cuts
8 791
Just Quit?
ringahding1
01-30-2015 06:23 AM
02-16-2015 02:16 PM
by joshlawncare
18 1,456
Advice on Bidding...
veteranlawnservice
02-08-2015 09:21 PM
02-16-2015 12:14 PM
by joshlawncare
18 1,166
Extending the life of...
rmccutchan
01-17-2015 12:37 AM
02-16-2015 09:51 AM
by rmccutchan
20 1,541
To Mulch OR Not To Mulch
OldSalt
02-12-2015 10:04 PM
02-15-2015 01:25 AM
by ExtremeLawncareServices
14 774
» Popular Tags
2wd 4wd apartment complex bark blades blowout bob villa collections commercial demonstration edging employee problems facebook ferris first truck flyers free advertising gopherhaul grass gravely growing a lawn care business hardscapes hills hiring how to hydraulic landscape landscape services landscaping training lawn aeration lawn care lawn care busines plan lawn care business podcast lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website marketing more customers business mr dave new mower ordinance past due patio install per hour charge podcast profit on employee push versus ride running a business scag v-ride scripts search engine optimization sell the vision seo shreaded small engine repair sq ft square foot sulky tractor auger trailer mate pro trimmer rack truck new used landscape walk behind web design website won't return wood wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 06:13 AM.


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

All times are GMT -5. The time now is 06:13 AM.

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