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 for company


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 01-03-2011, 10:08 AM
ataboyj ataboyj is offline
Member
 
Join Date: Aug 2010
Posts: 41
Rep Power: 5
ataboyj is on a distinguished road
Default Insurance for company

Whats a good insurance for a small lawn care company/landscaping company? Where would I find one? You need like a million coverage right, and what the avg cost of Insurance, I have been hearing about 800 dollars a month? Let me know what you guys think thanks
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 01-03-2011, 10:17 AM
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

Lawn care business tipsLawn Care Business Book
Ummm... I had a quote of $167 a YEAR for 1 million coverage. (basic coverage from some unheard of company)


I'll add more later - gotta run
Reply With Quote
  #3  
Old 01-03-2011, 10:40 AM
bradsnipes bradsnipes is offline
Junior Member
 
Join Date: Dec 2010
Location: Greenville, SC
Posts: 26
Rep Power: 4
bradsnipes is on a distinguished road
Default Hope This Helps (insurance)

$800 per month would be outrageous !! I have 1 million in coverage and i pay around $340 per year through PALMETTO INSURANCE. Im in the south so not sure if they exist everywhere?? Check with Cincinatti insurance as well. They had good rates too when i bought my policy. Alot of times your car insurance company will write you a special policy as well. I know Allstate will write lawncare/landscaping policies. Hope this helps ??
Brad w/ LAWNWORKS IN SOUTH CAROLINA
Reply With Quote
  #4  
Old 01-03-2011, 11:34 AM
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

^^^ Heh. I've used Allstate for over 15 years (auto) and when I contacted my agent he told me that they don't write business policies - they "subcontract it" through someone else. He did give me a quote, but it was a bit high. (He even told me that I could do better elsewhere)


That said, almost all the big names do commercial insurance policies, so open the phone book and make a few calls. Note that many agents will do a search for the best rates out of hundreds of companies that many of us have never heard of - it's just the way it works.

Some won't ask you for much more than your name, and some will get very detailed as far as wanting to know specifics about your business/type of work.
I was less than impressed with anyone who simply gave me a dollar amount without asking questions. Those who asked me specific questions about my business seemed to be wanting to be certain that everyone was "on the same page" in terms of writing a policy that gives you the coverage you actually need.
While discussing things, the agent I ultimately went with (Erie) gave me examples of coverage situations that she and her lawn care clients have encountered - this first-hand knowledge was more important to me than saving $75/year - I chose someone who offered good coverage, while knowing the product they are selling and are able to assist when an issue arises.
Reply With Quote
  #5  
Old 01-03-2011, 12:25 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

Try Zander insurance out of Nashville. I think they write nationwide.

www.zanderins.com
__________________
Pat
Reply With Quote
  #6  
Old 01-03-2011, 12:50 PM
ataboyj ataboyj is offline
Member
 
Join Date: Aug 2010
Posts: 41
Rep Power: 5
ataboyj is on a distinguished road
Default Thanks for the replies

Yeah I thought someone told me that it would cost 800 a month and thats why I didn't want to get it because I wouldn't be making much money. I guess now if i can get it for 800 a year or less then I would definitely get it. What other things should I want out of the Insurance beside a million dollars coverage? And will get cost me alot more since am only 21? Thanks for the info everyone
Reply With Quote
  #7  
Old 01-03-2011, 06:15 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

I'm new to this, so there may be things I'm overlooking, but the most common "add on" is equipment/tool coverage to insure your stuff should it be stolen/damaged on the job.

Note that I say "on the job" - when asking my many questions, I inquired about theft of equipment from my property (like while I'm asleep at night), and was informed that it would typically be covered under homeowner's insurance, but I could add that type of coverage for $50/year to my commercial policy.

Maybe other policies cover theft from your own property - I dunno.
Reply With Quote
  #8  
Old 01-03-2011, 07:33 PM
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

I pay $134 a month, 2 million liability, includes all my equipment which is around $400,000, $500.00 deductible
__________________
Andy
Halifax, Nova Scotia
Reply With Quote
  #9  
Old 01-03-2011, 08:34 PM
Growing Green Growing Green is offline
new member
 
Join Date: Dec 2010
Location: Texas
Posts: 323
Rep Power: 0
Growing Green is on a distinguished road
Default

Quote:
Originally Posted by The Cleaning Doctor View Post
Try Zander insurance out of Nashville. I think they write nationwide.

www.zanderins.com
Oh my main man Dave Ramsey is a huge fan of Zander. I use Zander insurance for identity theft insurance. Been happy with them. Haven't even thought of calling them for Lawn Care.

Matt
Reply With Quote
  #10  
Old 01-03-2011, 08:41 PM
Growing Green Growing Green is offline
new member
 
Join Date: Dec 2010
Location: Texas
Posts: 323
Rep Power: 0
Growing Green is on a distinguished road
Default

Quote:
Originally Posted by picframer View Post
I pay $134 a month, 2 million liability, includes all my equipment which is around $400,000, $500.00 deductible
Who do you use Andy? Is it a Canadian company?

Matt
Reply With Quote
Reply

Bookmarks

Tags
insurance, lawn care business, lawn care insurance

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 DillonB92 Starting a lawn care business. 13 08-05-2010 10:12 PM
Insurance/Company Name/Being "legal" dsquad6 Starting a lawn care business. 15 05-01-2010 11:18 PM
insurance kkkkkkk Community Assistance 5 04-15-2010 11:27 AM
Insurance AllProlawn Starting a lawn care business. 10 12-22-2008 02:37 AM
looking for insurance coronaldi General Business Discussions 1 01-16-2006 09:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Dealing With Gas Can...
Mr. Mow
10-21-2014 01:41 PM
Yesterday 10:35 PM
by SGL1
6 200
raking leaves ?
robert8509
Yesterday 09:19 PM
Yesterday 09:19 PM
by robert8509
0 32
hey everyone
robert8509
Yesterday 08:16 PM
Yesterday 08:16 PM
by robert8509
0 39
Leaf Box & Loader Set...
ringahding1
10-21-2014 06:20 AM
Yesterday 06:51 PM
by Matther777
4 180
Pda
stevef1201
10-18-2014 02:05 PM
Yesterday 04:49 PM
by WesleySnips
3 284
Workmans compensation...
CDLAWNCARE
10-15-2014 08:05 AM
Yesterday 01:47 PM
by The Hunter
3 437
Pressure Washing Like a...
TNTurf
08-01-2014 11:47 PM
Yesterday 01:33 PM
by Steve
9 748
Hello, from TEXAS
sanchez5
10-17-2014 09:56 PM
Yesterday 01:27 PM
by Steve
6 374
Organic Lawn Care...
NHray
10-17-2014 06:05 PM
Yesterday 01:23 PM
by Steve
3 343
Hi Steve From West...
Mr. Mow
10-21-2014 01:59 PM
Yesterday 01:19 PM
by Steve
1 120
Cheapskate Landlord...
Mr. Mow
10-20-2014 06:33 AM
Yesterday 01:17 PM
by Steve
9 284
Help a brother...
tbtigers03
09-28-2014 11:41 AM
Yesterday 08:51 AM
by ringahding1
12 1,485
first year update
cmdlawncare
08-12-2014 05:41 PM
Yesterday 07:47 AM
by ringahding1
4 1,304
What parts do you carry...
Just for Cuts
10-17-2014 09:08 AM
10-21-2014 01:36 PM
by Mr. Mow
16 626
Jungle to Beautiful
stevef1201
10-17-2014 09:54 AM
10-21-2014 01:26 PM
by stevef1201
11 476
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
10-21-2014 01:19 PM
by ExtremeLawncareServices
158 11,335
Sunny Beach Tennis...
SGL1
10-19-2014 11:24 PM
10-21-2014 01:04 PM
by SGL1
4 234
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
10-20-2014 08:34 PM
by biglee
10 1,783
Look out Bob Villa -...
Mr Dave
09-30-2014 10:06 AM
10-20-2014 05:42 PM
by SGL1
7 1,290
how to fi d commercial...
mchampion319
10-19-2014 09:50 PM
10-20-2014 04:41 PM
by Steve
1 201
Hello From Tennessee
mrmann901
10-17-2014 10:02 PM
10-20-2014 04:24 PM
by Steve
1 274
questions on order to...
jack2048
10-13-2014 11:15 AM
10-20-2014 03:27 PM
by Mr. Mow
15 716
This sucks...
Matther777
09-18-2014 04:56 PM
10-20-2014 02:14 PM
by Steve
14 2,166
Cement mixer
KevinsLawns
10-15-2014 08:03 PM
10-20-2014 02:11 PM
by Steve
7 455
Hello ! New guy Rob here
RWorthley1
10-17-2014 04:05 PM
10-20-2014 02:09 PM
by Steve
1 294
Snow Blowing
gwilson98
10-12-2014 02:21 PM
10-17-2014 02:51 PM
by Steve
6 639
Spreading Weeds?
WesleySnips
07-27-2014 09:46 PM
10-17-2014 07:49 AM
by SGL1
6 938
Grasswhoopins.com Anyone...
GRASS WHOOPINS
06-21-2011 11:38 PM
10-16-2014 01:30 PM
by ExtremeLawncareServices
42 9,298
I Want to buy old...
ExtremeLawncareServices
10-10-2014 10:04 PM
10-15-2014 09:12 PM
by ExtremeLawncareServices
6 668
Say Hello !!!
Steve
03-19-2007 11:18 AM
10-15-2014 06:43 PM
by NHray
1,190 340,132
Do you find weed eating...
chuck2s
10-15-2014 02:10 PM
10-15-2014 02:10 PM
by chuck2s
0 385
Incorporating &...
WesleySnips
10-01-2014 09:39 PM
10-15-2014 01:37 PM
by kslawn
20 1,483
Falling into business
stellarmowing
09-28-2014 04:35 PM
10-15-2014 05:57 AM
by ringahding1
8 1,499
Apartment Complex and...
lxarth
06-22-2011 01:10 PM
10-14-2014 06:25 PM
by jrs.landscaping
42 9,581
I LOVE hedge trimming
stevef1201
10-13-2014 09:05 AM
10-14-2014 01:06 PM
by Steve
5 524
Help with seeder...
ExtremeLawncareServices
10-09-2014 07:39 AM
10-13-2014 08:09 PM
by ExtremeLawncareServices
5 686
The Market watch
WesleySnips
10-12-2014 08:47 PM
10-13-2014 05:40 PM
by SGL1
3 522
Help pricing a large...
Bradcook21
10-07-2014 06:49 AM
10-13-2014 02:00 PM
by Steve
7 871
leaf removal
Double J LLC
10-03-2014 04:24 PM
10-13-2014 06:46 AM
by Billy Goat
19 1,506
Acerage Rake
acrajchel
04-23-2014 07:23 PM
10-12-2014 10:53 PM
by SGL1
2 832
John Deere z235 Deck
WesleySnips
09-29-2014 06:02 PM
10-12-2014 06:20 PM
by kslawn
25 1,645
Credit card contract
SGL1
10-06-2014 05:31 PM
10-12-2014 03:40 PM
by SGL1
18 1,059
Truck craft dump bed...
ExtremeLawncareServices
10-04-2014 08:41 PM
10-10-2014 11:35 AM
by Steve
7 964
First Time River Rock...
berryjam
10-09-2014 06:09 PM
10-10-2014 11:08 AM
by Steve
2 608
West cost lawn prices
SGlawncare
10-09-2014 09:51 PM
10-10-2014 11:03 AM
by Steve
1 594
Question?what should I...
dalvan0
09-24-2014 11:10 PM
10-09-2014 05:58 PM
by kslawn
28 2,135
Mowing the hills
EyeCatchersNow
07-08-2014 12:22 PM
10-09-2014 04:19 PM
by Just for Cuts
25 3,010
snowplowing
jshak40
09-01-2014 07:20 AM
10-09-2014 02:21 PM
by Steve
25 3,644
Changing Scag Freedom Z...
maggiedavidson
10-06-2014 12:24 PM
10-08-2014 06:34 PM
by ExtremeLawncareServices
7 847
The most dangerous part...
Steve
10-06-2014 02:45 PM
10-07-2014 04:18 PM
by ExtremeLawncareServices
3 826
» Popular Tags
4wd apartment bid apartment lawn care estimate applying bob villa bush charge christmas commercial deliquentaccounts demonstration exmark ferris first truck georgia gopherhaul gravely hardscapes hills holiday honda how much to charge how to hydraulic labor cost landscape services lawn lawn care lawn care busines plan lawn care business book 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 managing a lawn care business marketing mechanic monthly mowing mulch mulch price new business patio install podcast property management company push versus ride savannah scag scag v-ride seo shell snow plowing starting a business starting a lawn care business start up lawn care business stihl sulky toro tractor auger trailer mate pro tree truck new used landscape walker won't return wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 04:02 AM.


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

All times are GMT -5. The time now is 04:02 AM.

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