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? > Introduce Yourself

Introduce Yourself Welcome all new forum members. Please introduce yourself and tell us about you. Tell us about your company. How did you get started? How long have you been in business? What do you do for fun? Don't be shy, say hello! It's fun and educational to interact on the forum!

Getting insurance and your own health benifits...


Introduce Yourself

Welcome all new forum members. Please introduce yourself and tell us about you. Tell us about your company. How did you get started? How long have you been in business? What do you do for fun? Don't be shy, say hello! It's fun and educational to interact on the forum!
Reply
 
Thread Tools Search this Thread
  #1  
Old 02-22-2011, 03:45 PM
hilohawks hilohawks is offline
Junior Member
 
Join Date: Feb 2011
Posts: 3
Rep Power: 6
hilohawks is on a distinguished road
Default Getting insurance and your own health benifits...

Hi i'm just getting started. How did u guys all start? With or without a GE license and then saved money till u could get insurance for yourself... Then what about medical coverage and what if you have children. Did u get you children eventually covered? How long did it take you to get to that point. I'm pretty much gonna start with the basic equipment in April and wanted to get advice on direction or start off with a good plan or idea... I was thinking of just going door to door hustling people for quick jobs and saving money money money!!! Thx Ryan
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 02-22-2011, 03:56 PM
FirstClassLandscaping FirstClassLandscaping is offline
Member
 
Join Date: Nov 2010
Location: Westchester New York
Posts: 52
Rep Power: 6
FirstClassLandscaping is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
Quote:
Originally Posted by hilohawks View Post
Hi i'm just getting started. How did u guys all start? With or without a GE license and then saved money till u could get insurance for yourself... Then what about medical coverage and what if you have children. Did u get you children eventually covered? How long did it take you to get to that point. I'm pretty much gonna start with the basic equipment in April and wanted to get advice on direction or start off with a good plan or idea... I was thinking of just going door to door hustling people for quick jobs and saving money money money!!! Thx Ryan
When i first started last year i just got the basic for my company and myself and employees. So basiclly i got general liability with 1 to 2 million in coverage, workmans comp for me and my one guy who works for me, then lastly i got commercial auto for my truck and thats it. Start small then get more coverage as you need it.
Reply With Quote
  #3  
Old 02-22-2011, 04:59 PM
adforester adforester is offline
Junior Member
 
Join Date: Feb 2011
Posts: 9
Rep Power: 6
adforester is on a distinguished road
Default

Here's my deal

Some clients ask me if I have insurance, I say YES, because I do have medical insurance, if there not going to ask what type i'm not going to give details. Isn't insurance just for there protection?
I have been in business for 5 years and never had insurance, BUT I don't know why I need it so don't take my opinion!

Anyone want to explain to me why I need it???

I do have commercial auto and do have insurance on my mower, anyone else have coverage on there mower? Does a business liability insurance cover mowers? I'm paying $350 for mower insurance a year.
1 million liability policy around here llc costs around 1,200 a yr.
Reply With Quote
  #4  
Old 02-22-2011, 05:16 PM
hilohawks hilohawks is offline
Junior Member
 
Join Date: Feb 2011
Posts: 3
Rep Power: 6
hilohawks is on a distinguished road
Default

so you think for now i get my general exisise tax lisense for now?
Reply With Quote
  #5  
Old 02-22-2011, 05:23 PM
FirstClassLandscaping FirstClassLandscaping is offline
Member
 
Join Date: Nov 2010
Location: Westchester New York
Posts: 52
Rep Power: 6
FirstClassLandscaping is on a distinguished road
Default

Quote:
Originally Posted by adforester View Post
Here's my deal

Some clients ask me if I have insurance, I say YES, because I do have medical insurance, if there not going to ask what type i'm not going to give details. Isn't insurance just for there protection?
I have been in business for 5 years and never had insurance, BUT I don't know why I need it so don't take my opinion!

Anyone want to explain to me why I need it???

I do have commercial auto and do have insurance on my mower, anyone else have coverage on there mower? Does a business liability insurance cover mowers? I'm paying $350 for mower insurance a year.
1 million liability policy around here llc costs around 1,200 a yr.
The insurance is not just for your client its for you to...god forbid anything happen and you dont have any coverage they can go after not only the business but things in your personal life...like the vehicle you drive to jobs and if that is in your personal name and not the business then the person going after you can start abtaining anything in that name. So it is smart to have it even though you dont use it very much its better to be safe than sorry.
Reply With Quote
  #6  
Old 02-22-2011, 05:26 PM
FirstClassLandscaping FirstClassLandscaping is offline
Member
 
Join Date: Nov 2010
Location: Westchester New York
Posts: 52
Rep Power: 6
FirstClassLandscaping is on a distinguished road
Default

Quote:
Originally Posted by hilohawks View Post
so you think for now i get my general exisise tax lisense for now?
yes if you are just starting fresh this year then you start with the lowest coverage that protects everything that you use. My best advice to you and all new lawn care operators would be to start with baby steps and grow every year without risking the profits of the company to the point of bankruptcy.
Reply With Quote
  #7  
Old 02-22-2011, 07:05 PM
950thomas 950thomas is offline
Senior Member
 
Join Date: Jan 2011
Posts: 171
Rep Power: 6
950thomas is on a distinguished road
Default

When I started I did not have insurance or commercial tags I was lucky in the Begining but know I have 5 million in insurance and 500 thousand in workers comp per occurance and I use the hello out of it I had twelve grand in claims last year not to count the four blowers I had stolen and workers getting hurt so I would get it
Reply With Quote
  #8  
Old 02-22-2011, 07:13 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

Buy the effin' insurance.

If you don't want to spend a lot, call around - I found a commercial liability policy for 1 mil. that was $167 a year... a freaking YEAR. I went with a more costly plan, but the point is, it's out there if you look.

Go ahead and cause some high ticket damage to a client's property, or smack someone in the eye with a piece of debris, then come back and say that it's not worth having.



I don't have health care coverage yet. When I actually start making some money, I'll get it - until then, I'm going to have to be extra careful.
Not sure about everywhere, but worker's comp ins. is only mandatory if you have an employee.

Last edited by Hedgemaster; 02-22-2011 at 07:16 PM.
Reply With Quote
  #9  
Old 02-22-2011, 07:20 PM
950thomas 950thomas is offline
Senior Member
 
Join Date: Jan 2011
Posts: 171
Rep Power: 6
950thomas is on a distinguished road
Default

You don't have to have workers comp in my state unless u have over 5 employes but most commercial will make u have it even if it is just u doing the work
Reply With Quote
  #10  
Old 02-22-2011, 09:56 PM
Ladyinmidlo Ladyinmidlo is offline
Junior Member
 
Join Date: Feb 2011
Posts: 1
Rep Power: 0
Ladyinmidlo is on a distinguished road
Question

I'm new to this WONDERFUL web-site and have this nagging insurance issue. My hubby has had this small, pt time business for 20+yrs. Proceeding with care, prayer and a positive attitude, have done so without insurance. Most recently laid-off from the 9-5, he's really taken it to the next step and doesn't plan on looking back.

With that, in order to ever retire (comfortably), we have to go Commercial, which leads me to the insurance dilemma. This will be done in baby steps ~ hopefully landing small enough contracts that he and our 2 strapping sons can handle ~ If I recall from the old days, regardless of size you need a license and general liability? So, I got the license (and a personal property tax bill - compliments of the Commonwealth) but, this insurance is hard to bite off without the promise of work.

How did or do most beginners get over that hump?
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
Health insurance ProCut TM General Business Discussions 4 02-28-2010 07:41 PM
Has the health insurance industry Steve General Business Discussions 0 09-10-2007 01:45 PM
Health Insurance tiedeman GopherHaul Lawn Care Business Show, Video, Book & Podcast Discussions. 4 01-04-2007 09:40 PM
Could new health insurance plans be coming? Steve GopherHaul Lawn Care Business Show, Video, Book & Podcast Discussions. 0 12-22-2006 02:11 PM
Mandatory health insurance on the way? Steve General Business Discussions 5 04-05-2006 10:46 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Z246 Deck change question
JohnsLawnCare
Yesterday 01:47 PM
Yesterday 06:38 PM
by Steve
1 32
DIY Sprayer
acrajchel
Yesterday 09:13 AM
Yesterday 06:36 PM
by Steve
1 34
Hello Everyone
JohnsLawnCare
06-22-2016 11:14 AM
Yesterday 06:20 PM
by Steve
15 553
How much to charge for...
jymie
03-31-2013 05:59 PM
Yesterday 06:18 PM
by Steve
23 5,949
Hi from Long Island NY
Lori22
07-18-2016 02:01 PM
Yesterday 06:11 PM
by Steve
10 207
Hi everyone!
greenwavemedia
Yesterday 03:22 PM
Yesterday 03:22 PM
by greenwavemedia
0 23
New Site Hows it look
Infinitelawn
03-16-2015 10:32 AM
Yesterday 03:06 PM
by greenwavemedia
5 10,469
Needing a website built
burtle
06-17-2015 09:02 AM
Yesterday 02:58 PM
by greenwavemedia
15 18,311
Looking for new host
Just for Cuts
11-26-2015 06:58 AM
Yesterday 02:49 PM
by greenwavemedia
9 1,472
New Business Owner
danesdanglas87
07-20-2016 12:31 PM
07-21-2016 05:04 PM
by Steve
2 104
Hi! I'm Tony from Tampa
Lawnline
07-12-2016 06:47 PM
07-19-2016 04:45 PM
by Steve
5 626
Question about...
Bradcook21
07-18-2016 05:22 PM
07-19-2016 04:38 PM
by Steve
2 123
Hello from Watertown New...
lawnmanrick81
07-19-2016 03:57 PM
07-19-2016 04:11 PM
by Steve
1 70
Gutter Cleaning Tool
DanielThomas
07-18-2016 08:23 AM
07-18-2016 04:36 PM
by Steve
1 100
Starting on a lawn care...
Coco3465
07-16-2016 11:26 AM
07-17-2016 09:20 AM
by Steve
1 126
Aspiring Company Owner
TJ136
07-12-2016 05:12 AM
07-15-2016 02:52 PM
by SC93
6 226
Hi Everyone
JavelinaLawn
07-10-2016 07:29 PM
07-13-2016 02:01 PM
by Chilehead
5 763
Review of our lawn care...
Lawnline
07-12-2016 06:40 PM
07-12-2016 06:40 PM
by Lawnline
0 398
Custom Canopies
JohnsLawnCare
07-12-2016 08:38 AM
07-12-2016 04:14 PM
by Steve
1 272
Spot checked by...
Just for Cuts
06-28-2016 02:34 PM
07-11-2016 03:53 PM
by Steve
4 291
John Deere JS40 issues
Mr. Mow
07-06-2016 01:28 PM
07-11-2016 03:52 PM
by Steve
3 216
Start My Own Business?
mowandblow1980
01-12-2016 07:43 PM
07-11-2016 11:18 AM
by DanielThomas
15 1,770
Rubber mulch...
avetslawncare
06-24-2015 09:28 PM
07-11-2016 09:11 AM
by Chilehead
9 3,304
Firefighter gone Lawn...
Firehouselawn@hotmail.com
03-10-2016 04:50 PM
07-07-2016 05:07 PM
by Steve
11 10,548
I need some business...
Firehouselawn@hotmail.com
07-06-2016 05:42 AM
07-07-2016 05:00 PM
by Steve
4 258
Business Overload
Chilehead
05-06-2016 09:27 PM
07-07-2016 04:53 PM
by Steve
24 1,270
Chemical Applications
acrajchel
06-24-2016 06:44 PM
07-05-2016 12:38 PM
by Chilehead
6 374
Is it too late?
Cpadgett
05-28-2016 09:10 AM
07-05-2016 11:54 AM
by Steve
14 875
3 Applications or 5...
stansg1fresh
02-18-2013 12:02 PM
07-04-2016 09:19 AM
by LawnPerfection
9 1,707
Best Push Mower You Have...
markty
05-14-2016 03:46 PM
07-02-2016 03:41 AM
by markty
27 1,941
Great Arborist Ladder
SGL1
06-04-2016 09:56 AM
06-28-2016 08:04 PM
by mowandblow1980
11 695
Newbie
Jhoell
06-25-2016 03:28 AM
06-28-2016 02:11 PM
by Chilehead
2 270
Say Hello !!!
Steve
03-19-2007 11:18 AM
06-28-2016 11:02 AM
by Brownieboy
1,253 440,308
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 08:26 AM.


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

All times are GMT -5. The time now is 08:26 AM.

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