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?


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 03-11-2011, 12:31 PM
Golftrick17 Golftrick17 is offline
Junior Member
 
Join Date: Feb 2011
Location: Nashville
Posts: 17
Rep Power: 4
Golftrick17 is on a distinguished road
Default Insurance?

I have just started my business and am havinf a hard time finding insurance. Most places are telling me you need 2 years as a business. I was wondering who some of you just starting are using.
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 03-11-2011, 01:43 PM
950thomas 950thomas is offline
Senior Member
 
Join Date: Jan 2011
Posts: 171
Rep Power: 5
950thomas is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
Never heard that one but I use to use nationwide
Reply With Quote
  #3  
Old 03-11-2011, 02:10 PM
Liberty Landscaping LLC Liberty Landscaping LLC is offline
Senior Member
 
Join Date: Oct 2009
Location: Woodbridge, NJ
Posts: 243
Rep Power: 6
Liberty Landscaping LLC is on a distinguished road
Default

I have Allstate. They had the same requirment. I used The Hartford till I was able to get someone cheaper. Good Luck finding someone.
Reply With Quote
  #4  
Old 03-11-2011, 05:00 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 didn't run across that issue either.
Most places I contacted did ask how long I've been doing this sort of work (even counting experience before starting up), not one of them told me I couldn't be covered because I wasn't in business for two years - even Allstate. (Although Allstate's quote was through a subcontracted carrier)


I ended up using Erie. I believe my policy is written by another carrier, with "Erie enhancements" added on.


There are hundreds, if not thousands of agents out there - start calling around.

Good luck!
Reply With Quote
  #5  
Old 03-12-2011, 08:44 PM
Golftrick17 Golftrick17 is offline
Junior Member
 
Join Date: Feb 2011
Location: Nashville
Posts: 17
Rep Power: 4
Golftrick17 is on a distinguished road
Default

Thanks guys. I ended up calling USAA, they use the Hartford. Its not cheap but it works.
Reply With Quote
  #6  
Old 03-12-2011, 09:05 PM
jymie's Avatar
jymie jymie is offline
Senior Member
 
Join Date: Aug 2008
Location: Hamburg New York
Posts: 905
Rep Power: 7
jymie is on a distinguished road
Default

The insurance companies will insure you, they just can't give you the 1,000,000+ policies until you have been in business a 2 or 3 of years.
Reply With Quote
  #7  
Old 03-12-2011, 09:23 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 jymie View Post
The insurance companies will insure you, they just can't give you the 1,000,000+ policies until you have been in business a 2 or 3 of years.
I didn't hear that from anyone I called either.

I'm insured to 1 mil. and haven't even been in bus for a year yet.

(shrug)
Reply With Quote
  #8  
Old 03-14-2011, 03:26 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,840
Rep Power: 10
Steve has disabled reputation
Default

So newer businesses it seems aren't able to get the higher insurance coverage? Does it also effect their premiums? Are they charging more for new businesses?
__________________
- 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
  #9  
Old 03-15-2011, 06:09 AM
Golftrick17 Golftrick17 is offline
Junior Member
 
Join Date: Feb 2011
Location: Nashville
Posts: 17
Rep Power: 4
Golftrick17 is on a distinguished road
Default

Quote:
Originally Posted by Steve View Post
So newer businesses it seems aren't able to get the higher insurance coverage? Does it also effect their premiums? Are they charging more for new businesses?
I found coverage, got 1,000,000.00 policy, It is a little more than what my neighbor is pay for his. Right or wrong they look at a new business as a higher risk, because there is no history to base on. They asked how long I had worked in the industry, but I don't think my 10 years lowered my premiums.
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
Insurance DillonB92 Starting a lawn care business. 13 08-05-2010 11:12 PM
insurance kkkkkkk Community Assistance 5 04-15-2010 12:27 PM
Insurance AllProlawn Starting a lawn care business. 10 12-22-2008 03:37 AM
Insurance Steve General Talk 5 02-15-2007 11:30 PM
looking for insurance coronaldi General Business Discussions 1 01-16-2006 10:28 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
These are the days on...
ExtremeLawncareServices
01-11-2015 11:41 AM
Today 10:54 PM
by ExtremeLawncareServices
12 613
viking cyclon.
uppercut
Today 09:12 PM
Today 09:12 PM
by uppercut
0 15
Crunch time 2015!
Chilehead
Today 08:57 PM
Today 08:57 PM
by Chilehead
0 13
TaskEasy & Plowz & Mowz...
jrwalker333
01-25-2015 01:02 PM
Today 08:14 PM
by lxarth
8 218
Landscapers from hell!!
Chilehead
Today 03:55 PM
Today 03:55 PM
by Chilehead
0 38
adding something new...
veteranslawncaresystems
Yesterday 12:13 AM
Today 03:00 PM
by ExtremeLawncareServices
4 122
Contact last years...
googus
Yesterday 09:13 AM
Today 02:29 PM
by Steve
6 125
Looking for advice on...
berryjam
01-21-2015 07:37 PM
Today 02:21 PM
by Steve
15 425
Government contracts
avetslawncare
11-15-2014 08:50 AM
Today 02:10 PM
by Steve
8 818
New to the forum
LCRobert
01-26-2015 10:21 PM
Today 09:11 AM
by ringahding1
7 180
What happened to Better...
Steve
01-27-2014 04:07 PM
Yesterday 12:26 PM
by Steve
21 3,169
Lawn care truck
Steve
10-10-2009 03:40 AM
Yesterday 12:23 PM
by Steve
44 16,041
Bidding to get other work
Rodriguez11
07-21-2011 11:52 PM
Yesterday 12:08 PM
by Steve
29 9,429
How many contracts...
5StarLawnscaping
01-12-2015 03:51 PM
Yesterday 11:04 AM
by ExtremeLawncareServices
10 573
"Part Timers", "Low...
doug1980
06-10-2009 12:55 PM
01-27-2015 09:01 PM
by jrs.landscaping
43 10,296
Is anyone doing mosquito...
BWild
01-27-2015 12:30 PM
01-27-2015 07:24 PM
by avetslawncare
4 116
New to group
ron@alpine
01-27-2015 08:45 AM
01-27-2015 01:29 PM
by Steve
1 86
please Help with none...
Lawnboyman1170
01-09-2015 09:46 AM
01-27-2015 01:27 PM
by Steve
13 621
does this sound good or...
Bradcook21
01-22-2015 09:24 AM
01-27-2015 07:42 AM
by ringahding1
9 318
second year advise
cmdlawncare
01-23-2015 06:22 PM
01-27-2015 07:31 AM
by ringahding1
6 274
need advise
rawssrob
02-23-2010 02:45 PM
01-23-2015 06:40 PM
by cmdlawncare
7 2,585
New to forum
ROB N
01-23-2015 08:35 AM
01-23-2015 01:53 PM
by Steve
1 149
Extending the life of...
rmccutchan
01-17-2015 12:37 AM
01-23-2015 01:43 PM
by Steve
8 386
osceola lawn service
jasa@wildblue.net
01-22-2015 03:23 PM
01-23-2015 01:38 PM
by Steve
1 161
Tax Question
Wolf4dk
01-20-2015 01:11 AM
01-22-2015 02:28 PM
by Steve
4 293
Billy Goat Vac
Mr. Mow
01-19-2015 07:42 AM
01-22-2015 02:18 PM
by Steve
6 285
Property Pricing
GVL
01-19-2015 02:46 PM
01-21-2015 02:18 PM
by Steve
5 342
Landscapers Source For...
breadcrumb
01-16-2015 02:44 PM
01-21-2015 05:55 AM
by breadcrumb
14 508
Hoa advice
Bradcook21
01-16-2015 09:36 PM
01-20-2015 04:30 PM
by Steve
4 318
My Invention
biglee
01-11-2015 07:51 PM
01-20-2015 10:16 AM
by biglee
16 661
How to beat the pre pay...
stansg1fresh
01-13-2015 04:33 PM
01-19-2015 03:38 PM
by ringahding1
3 396
Hello from Md
homey
12-17-2014 06:55 PM
01-19-2015 01:37 PM
by Steve
12 1,182
Hi from Illinois
burtle
01-02-2015 09:46 PM
01-19-2015 01:22 PM
by Steve
3 561
Hello from SW FL!!
5StarLawnscaping
12-05-2014 02:35 PM
01-19-2015 01:20 PM
by Steve
14 1,495
Lost my @#$ blower
stevef1201
01-11-2015 08:31 AM
01-17-2015 02:21 PM
by lxarth
2 421
Another Illinoisan.....
barhopper
01-11-2015 05:38 PM
01-16-2015 04:29 PM
by Steve
10 477
marketing with pizza...
apmAkron
01-15-2015 09:57 AM
01-15-2015 06:29 PM
by Steve
4 303
CRM and Quickbooks?
5StarLawnscaping
01-15-2015 08:06 AM
01-15-2015 08:06 AM
by 5StarLawnscaping
0 232
New Member, Indiana Iraq...
Timbo
07-14-2011 09:44 AM
01-14-2015 06:14 PM
by Steve
10 3,829
check this box truck out!
BLAZIER-1991
01-07-2015 07:40 PM
01-13-2015 03:06 PM
by biglee
8 685
My community only ad...
googus
01-12-2015 09:55 AM
01-13-2015 02:44 PM
by Steve
5 366
12 Years in Business!
Chilehead
10-23-2014 09:07 AM
01-13-2015 09:37 AM
by Chilehead
18 1,861
use a small business...
BLAZIER-1991
12-25-2014 12:21 AM
01-12-2015 06:32 PM
by BLAZIER-1991
30 1,631
tips on creating a...
BLAZIER-1991
01-08-2015 07:22 PM
01-12-2015 06:19 PM
by BLAZIER-1991
4 511
During Your Down Time
achri12
12-24-2014 03:03 PM
01-12-2015 03:54 PM
by Steve
10 1,140
Leaf cleanup
Bradcook21
01-09-2015 02:21 PM
01-12-2015 12:22 PM
by Jamesw86
4 499
Has Anyone Used Plowz ?
dpld
01-08-2014 12:14 PM
01-11-2015 02:17 PM
by burtle
20 3,481
What to pay help
Bradcook21
01-07-2015 01:32 PM
01-08-2015 07:01 PM
by Steve
1 518
Need a trailer
googus
01-07-2015 09:40 AM
01-08-2015 10:24 AM
by Upscale2
7 634
Do you guys charge buy...
burtle
01-02-2015 09:58 PM
01-07-2015 08:37 PM
by Shark1611
14 1,003
» Popular Tags
2wd 4x4 aerocore apartment bid apartment lawn care estimate applying bark bob villa bush commercial deliquentaccounts demonstration ditches door hangers edging employee problems estimate four wheel drive google gopherhaul grass gravely hardscapes hills how to hydraulic jobs landscape services lawn lawn aeration lawn care lawn care busines plan lawn care business lawn care business podcast lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website lawn care website seo lighting brass outdoor lights managing a lawn care business marketing mulch new mower ordinance past due patio install per hour charge per hour service podcast profit on employee scag v-ride scripts search engine optimization seo shreaded snow plowing sq ft starting a lawn care business steep lawns theft toro tractor auger trailer mate pro truck new used landscape web design won't return wood wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 11:25 PM.


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

All times are GMT -5. The time now is 11:25 PM.

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