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!

Auto Insurance


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 03-21-2011, 08:11 PM
GreenMatters716 GreenMatters716 is offline
Junior Member
 
Join Date: Mar 2011
Posts: 24
Rep Power: 6
GreenMatters716 is on a distinguished road
Default Auto Insurance

Hey everyone! First year in the Biz and was wondering If I need commercial plates on my truck and do I need commercial business auto insurance? If so does it cost a lot more than personal insurance?
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 03-21-2011, 08:25 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

Lawn care business tipsLawn Care Business Book
It MAY depend on your location, so take this info with a grain of salt like any info you get for free on teh interwebs...


Per my Allstate auto insurance agent AND my commercial liability agent:
(I wanted to be 100% clear on this, so I asked both, as my commercial agent also does Erie auto ins)

If the vehicle is in YOUR name, no changes to the policy are required, nor does it affect your rates - nothing changes. It's still the same policy and yes, the truck is covered if "on the job", or going from one job to the next, or while out with the wife and kids - same as it was before.

If you are a LLC, or other type of company, it may be different. The above info is for a sole proprietorship.

I was told that if I title my truck under a company name, OR have any employees who will drive it, I need to then have a commercial vehicle policy.

Hope that helps.
Reply With Quote
  #3  
Old 03-21-2011, 08:30 PM
GreenMatters716 GreenMatters716 is offline
Junior Member
 
Join Date: Mar 2011
Posts: 24
Rep Power: 6
GreenMatters716 is on a distinguished road
Default

Im sole proprietorship with no employees and truck is in my name.
Reply With Quote
  #4  
Old 03-21-2011, 08:35 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

Here's an idea...

When I started into this in the fall, I worried that my rates would go up if i were using the truck for business purposes - I delayed contacting my agent for that reason.

If you're worried about the same thing, call another insurance company and ask them questions. That way, your current agent will be none the wiser, if my info does not hold true where you are located.

For me, it turned out I worried over nothing.
Reply With Quote
  #5  
Old 03-21-2011, 08:46 PM
poolplayer poolplayer is offline
Junior Member
 
Join Date: May 2010
Posts: 16
Rep Power: 7
poolplayer is on a distinguished road
Default

Quote:
Originally Posted by Hedgemaster View Post
Here's an idea...

When I started into this in the fall, I worried that my rates would go up if i were using the truck for business purposes - I delayed contacting my agent for that reason.

If you're worried about the same thing, call another insurance company and ask them questions. That way, your current agent will be none the wiser, if my info does not hold true where you are located.

For me, it turned out I worried over nothing.
i have commercial insurance on my truck and it worked out being cheaper than regular insurance and i have more coverage with the commercial policy
Reply With Quote
  #6  
Old 03-21-2011, 09:46 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 poolplayer View Post
i have commercial insurance on my truck and it worked out being cheaper than regular insurance and i have more coverage with the commercial policy
Good to know.

Can you still use it as your "daily driver" and be covered, or is it only to be used for work in order to be covered?

I ask because mine is my daily driver as well.
Reply With Quote
  #7  
Old 03-21-2011, 09:57 PM
poolplayer poolplayer is offline
Junior Member
 
Join Date: May 2010
Posts: 16
Rep Power: 7
poolplayer is on a distinguished road
Default

Quote:
Originally Posted by Hedgemaster View Post
Good to know.

Can you still use it as your "daily driver" and be covered, or is it only to be used for work in order to be covered?

I ask because mine is my daily driver as well.
only catch to commercial insurance is anyone who will drive your vehicle must be added as a driver. every one in my family is listed on my policy with no change in cost, but we all have good driving records too. my insurance is through citizens i found them to be the least expensive for me.
Reply With Quote
  #8  
Old 03-21-2011, 10:03 PM
psparaco psparaco is offline
Senior Member
 
Join Date: Apr 2009
Location: Rosedale, Maryland
Age: 39
Posts: 199
Rep Power: 8
psparaco is on a distinguished road
Default

I have my personal auto insurance for my truck. My agent even told me i do not need additional insurance for my trailer as long as its hooked up to my truck, its covered along with the truck insurance. While its unhooked in my driveway my home owner's insurance covers damages to it.
Reply With Quote
  #9  
Old 03-21-2011, 10:09 PM
poolplayer poolplayer is offline
Junior Member
 
Join Date: May 2010
Posts: 16
Rep Power: 7
poolplayer is on a distinguished road
Default

Quote:
Originally Posted by psparaco View Post
I have my personal auto insurance for my truck. My agent even told me i do not need additional insurance for my trailer as long as its hooked up to my truck, its covered along with the truck insurance. While its unhooked in my driveway my home owner's insurance covers damages to it.
that covers your trailer when its connected but not the contents, my homeowners doesnt cover a trailer or any item used for business, like commercial mowers. i would check on that i have a trailer i keep in my garage and its not covered by my homeowners i have a rider on my truck insurance for when its not connected
Reply With Quote
  #10  
Old 03-21-2011, 10:45 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

Another concern with using your homeowners policy to cover you junk while on your property is the fact that they may drop you like a hot potato if you file a claim. Homeowners policies can be crappy like that.

I'd prefer to keep my homeowners policy for bad stuff that happens to my house. Eventually, I'm adding a rider to my commercial policy to cover my equipment while stored at home. It's not that much more.
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
Auto insurance vehicle trackers Steve Truck, Trailer, and Outdoor Power Equipment Discussion, Repairs. 0 09-26-2008 12:31 PM
Bid for Auto Zone help aclawncareservice Online Lawn Care Estimator - Help me bid this job 6 04-22-2008 04:56 AM
auto dialing campaign Lawn Care Marketing & Post your marketing material for review! 9 08-19-2007 05:45 PM
Auto-Billing tiedeman Gopher Software Support Archived Question & Answers - Read Only 4 12-31-2005 10:52 AM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
What were your top...
WarriorLandscapingCAN
09-13-2016 05:10 PM
Yesterday 12:12 PM
by jrs.landscaping
3 337
I have a new show!
Chilehead
09-19-2016 06:50 PM
09-23-2016 05:45 AM
by Chilehead
7 112
First commercial estimate
WarriorLandscapingCAN
09-19-2016 12:42 PM
09-22-2016 05:42 PM
by acrajchel
7 115
Larger projects - Labor...
WarriorLandscapingCAN
09-18-2016 07:38 AM
09-21-2016 06:51 AM
by Chilehead
5 136
I need some business...
Firehouselawn@hotmail.com
07-06-2016 05:42 AM
09-16-2016 01:50 PM
by DLC123
5 589
Is it too late?
Cpadgett
05-28-2016 09:10 AM
09-16-2016 01:35 PM
by DLC123
15 1,302
Not a newbie just...
lwlawn
09-09-2016 02:32 PM
09-16-2016 01:25 PM
by DLC123
2 493
I'm making stupid money...
WarriorLandscapingCAN
08-07-2016 07:07 PM
09-16-2016 01:15 PM
by DLC123
6 1,369
Lawn problem
magiccc
09-14-2016 11:37 AM
09-15-2016 06:14 AM
by Chilehead
2 268
What kind of seed do you...
Bradcook21
09-02-2016 02:58 PM
09-12-2016 07:18 AM
by joshp
4 891
Commercial Flail Mower...
Chickenthief
09-05-2016 04:46 PM
09-09-2016 04:50 PM
by Steve
7 755
Newbie here
paulgrant
09-07-2016 04:52 PM
09-09-2016 12:01 AM
by paulgrant
2 599
Hello, New Member Here,...
Chickenthief
09-05-2016 06:19 PM
09-08-2016 09:35 PM
by Chickenthief
6 717
Pricing fall cleanups?
WarriorLandscapingCAN
09-06-2016 11:17 AM
09-07-2016 04:06 PM
by Steve
3 690
Say Hello !!!
Steve
03-19-2007 11:18 AM
09-06-2016 05:25 PM
by Steve
1,255 443,668
My Invention
biglee
01-11-2015 06:51 PM
08-31-2016 02:47 PM
by Steve
21 3,244
fliers
joshp
08-19-2016 03:23 PM
08-30-2016 07:47 PM
by SC93
11 1,887
fert/lawn programs
joshp
08-28-2016 10:43 AM
08-30-2016 03:27 PM
by acrajchel
2 1,104
Landscaper taking on odd...
WarriorLandscapingCAN
08-07-2016 06:57 PM
08-28-2016 10:31 AM
by joshp
7 1,310
Review of our lawn care...
Lawnline
07-12-2016 06:40 PM
08-27-2016 10:51 AM
by Steve
7 2,147
» Popular Tags
annual apartment become an entrepreneur best mower be your own boss bidding business business education business help business management complex contractor hacks contracts convention converting customer dethatcher edging entrepreneur entrepreneur education estimate estimates fuel problems fuel pump half moon blade intro introduction jjandm lawncare l.t.rich landscape landscape design landscaping landscaping design company landscaping richmond va landscping lawn lawncare lawnservice lowering grade marketing mulch planting raising grade residential lawn care richmond va richmond virginia lawn care seasonal snowblower snow plowing snow shovel sprayer start a business start a lawn care business start business start up toro timecutter townhome tree tree service video web design websites what to charge work from home z-max z-spray
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 08:12 AM.


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

All times are GMT -5. The time now is 08:12 AM.

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