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: 4
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: 4
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: 5
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: 5
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: 37
Posts: 199
Rep Power: 6
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: 5
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 Outdoor Power Equipment Discussion, Repairs, Buy or Sell 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
Sod
RosalesLawnCare
08-27-2014 03:47 PM
Yesterday 07:00 PM
by RosalesLawnCare
2 115
Brake job!
kslawn
Yesterday 07:49 AM
Yesterday 05:09 PM
by stevef1201
1 51
Lawn Route Templates
Landscaper1165
Yesterday 01:52 PM
Yesterday 05:04 PM
by stevef1201
1 51
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
Yesterday 09:49 AM
by BLC7
10 333
Hello! New here and...
CaliforniaFriendly
08-29-2014 11:30 AM
08-29-2014 05:39 PM
by jrs.landscaping
1 96
Stihl engine isn't...
Marcintosh
08-12-2014 08:30 PM
08-28-2014 09:28 PM
by Marcintosh
12 482
Hello
jawnebgoode
08-28-2014 08:37 PM
08-28-2014 08:37 PM
by jawnebgoode
0 40
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
08-28-2014 05:06 PM
by kurtwin
0 59
Softball field
kslawn
08-15-2014 09:28 AM
08-28-2014 12:01 PM
by Steve
16 573
Lawn needs top soil What...
jymie
08-26-2014 11:01 AM
08-28-2014 11:58 AM
by Steve
5 183
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
08-28-2014 11:47 AM
by Steve
5 165
Walk Behinds and Texas...
SGL1
08-26-2014 03:53 PM
08-27-2014 10:38 PM
by SGL1
5 171
Say Hello !!!
Steve
03-19-2007 11:18 AM
08-27-2014 08:33 PM
by kurtwin
1,187 331,162
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
08-26-2014 04:21 PM
by ExtremeLawncareServices
110 6,586
How do I approach...
Bradcook21
08-21-2014 01:48 AM
08-26-2014 05:08 AM
by Billy Goat
12 468
Tender Process
M2Dave
08-24-2014 12:31 PM
08-25-2014 04:14 PM
by Steve
2 160
Grass hopper mower
ExtremeLawncareServices
12-05-2013 08:51 AM
08-25-2014 04:02 PM
by Steve
26 3,814
Need help pricing basic...
Bradcook21
08-22-2014 01:21 AM
08-22-2014 01:05 PM
by Steve
2 246
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
08-22-2014 01:01 PM
by Steve
6 320
yearly contract help...
jrob0691
08-21-2014 04:09 PM
08-22-2014 12:48 PM
by Steve
1 203
Pampas bushes
Bradcook21
08-22-2014 01:30 AM
08-22-2014 07:17 AM
by grassdoctore
1 176
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
08-21-2014 08:50 PM
by phlawncare
2 213
Fuel Can Spouts
Shark1611
08-16-2014 09:09 AM
08-21-2014 08:23 PM
by SGL1
11 450
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
08-21-2014 05:03 PM
by stevef1201
6 717
Hello
M2Dave
08-21-2014 12:32 AM
08-21-2014 01:38 PM
by Steve
1 179
New Landscaping Business
rekon32
08-16-2014 02:26 PM
08-21-2014 12:33 PM
by SouthallMowing
8 506
Downed Tree Chop Bid
WesleySnips
08-16-2014 03:47 PM
08-20-2014 01:44 PM
by SGL1
10 488
60 inch honda/bunton...
pblawncare
08-17-2014 11:30 AM
08-18-2014 03:19 PM
by Steve
2 231
Replacement Parts -...
nicholas-KC
08-16-2014 08:40 AM
08-18-2014 03:16 PM
by Steve
4 341
Preparing the soil
Billy Goat
08-16-2014 06:18 PM
08-18-2014 03:01 PM
by Steve
1 249
What to pay help
phlawncare
08-04-2014 08:33 PM
08-18-2014 10:33 AM
by jrs.landscaping
29 1,078
Hello
Jeff1
08-07-2014 11:18 PM
08-15-2014 11:53 PM
by Jeff1
11 543
Lie #2 RESIDENTIAL...
ExtremeLawncareServices
01-06-2014 05:02 AM
08-15-2014 01:46 PM
by mattthelawnguy
54 6,645
Need help 30 HP koler...
Shady Grady
08-01-2014 03:31 PM
08-15-2014 08:46 AM
by kslawn
18 721
New Boomless Sprayer!
BlackRain75
01-03-2014 01:01 PM
08-14-2014 02:37 AM
by BlackRain75
12 1,905
first year update
cmdlawncare
08-12-2014 05:41 PM
08-13-2014 03:29 PM
by Steve
1 345
Hello from Jacksonville,...
JM Lawn Care
08-10-2014 07:15 AM
08-13-2014 07:04 AM
by Sprinkler Buddy
9 453
Hello everyone new to...
maddyandrays
08-11-2014 04:51 PM
08-12-2014 08:58 PM
by Shark1611
2 294
Walk behinds
hpruitcei
08-07-2014 06:28 PM
08-12-2014 02:35 PM
by mattthelawnguy
7 563
New name help
stevef1201
08-10-2014 04:27 PM
08-12-2014 12:03 PM
by Steve
6 448
my little green dilemmas
Lawn Techie
08-03-2014 11:47 AM
08-11-2014 01:20 PM
by Steve
7 546
what the best...
CleanCutsLLC
08-02-2014 01:02 AM
08-11-2014 01:16 PM
by Steve
6 595
Texas lawn care company...
Livingston Lawn Care
07-25-2014 11:29 AM
08-11-2014 01:19 AM
by ExtremeLawncareServices
13 855
Covering all the bases
janslawncare
08-08-2014 10:11 AM
08-08-2014 01:41 PM
by Steve
1 389
New from Florida
ADE
08-06-2014 08:40 PM
08-08-2014 01:32 PM
by Steve
4 453
JOB - Landscape Install...
janslawncare
08-08-2014 10:06 AM
08-08-2014 10:06 AM
by janslawncare
0 348
Battery power tools or...
Steve
08-07-2014 12:24 PM
08-07-2014 05:18 PM
by mattthelawnguy
2 356
My client just told me...
Greg'slawnandlandscape
08-04-2014 08:39 AM
08-06-2014 11:14 PM
by grassdoctore
12 697
Illegal spraying
GoGreenerKS
07-04-2014 09:11 AM
08-06-2014 02:03 PM
by Steve
13 1,332
Mowing the hills
EyeCatchersNow
07-08-2014 12:22 PM
08-06-2014 01:40 PM
by Steve
20 1,561
» Popular Tags
4x4 34'' ads apartment bid apartment lawn care estimate butterfly gardens care charge christmas credit card customers exmark fall ferris financing four wheel drive franchise gopherhaul grass gravely hardscapes health hills holiday how much to charge husqvarna hydraulic invoice kansas city landscape services lawn lawn care lawn care business lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website managing a lawn care business marketing mechanic monthly mow mowing mulch price new and restored landscapes new buisness new business new mower podcast promotion push versus ride riding mower scag scag v-ride schedule search engine optimization seo small engine repair starting a business starting a lawn care business steve stihl top dresser toro tractor auger trailer mate pro tree care walker wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 12:56 AM.


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

All times are GMT -5. The time now is 12:56 AM.

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