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.

where to get insurance from and how much


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 02-24-2012, 03:44 PM
j.a.lawnervces j.a.lawnervces is offline
Junior Member
 
Join Date: Jul 2011
Location: indian mound tn
Posts: 13
Rep Power: 3
j.a.lawnervces is on a distinguished road
Default where to get insurance from and how much

i am a one man operation and am looking at getting insurance.
i have a 2010 doge ram
bad boy 60 inch
echo hand equitment.
as of rate now it is just me,
I would like to know what's the right kind of insurance and how much i need to get, and some of the insurance company's you use.
i am not a LLC i will be getting my dba and business lic here this week.
any help would greatly appreciate it
I live and work in TN near Fort Cambell KY

Last edited by j.a.lawnervces; 02-24-2012 at 03:49 PM. Reason: put where i live
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 02-24-2012, 03:58 PM
dpld dpld is offline
new member
 
Join Date: Jan 2012
Location: nj
Posts: 885
Rep Power: 0
dpld is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
Quote:
Originally Posted by j.a.lawnervces View Post
i am a one man operation and am looking at getting insurance.
i have a 2010 doge ram
bad boy 60 inch
echo hand equitment.
as of rate now it is just me,
I would like to know what's the right kind of insurance and how much i need to get, and some of the insurance company's you use.
i am not a LLC i will be getting my dba and business lic here this week.
any help would greatly appreciate it
I live and work in TN near Fort Cambell KY
commerical auto and general liabillity is all you need.
you can get workers comp for yourself but for some odd reason it cost more to insure the owner then the employee, go figure.

in my state workers comp is only required by law if you hire people.
Reply With Quote
  #3  
Old 02-24-2012, 04:18 PM
j.a.lawnervces j.a.lawnervces is offline
Junior Member
 
Join Date: Jul 2011
Location: indian mound tn
Posts: 13
Rep Power: 3
j.a.lawnervces is on a distinguished road
Default

ok what company do you use for insurance?
Reply With Quote
  #4  
Old 02-24-2012, 04:35 PM
HAMPTON ROADS LAWN CARE HAMPTON ROADS LAWN CARE is offline
Member
 
Join Date: Feb 2012
Posts: 78
Rep Power: 3
HAMPTON ROADS LAWN CARE is on a distinguished road
Default

A few questions for you???


Why are you starting as a DBA?? Im sure it is not that expensive to start as a LLC or Corp in your state just go to your states corporation commission website and im sure you can do it on there. Here in VA it cost me $75 to register with the state and then you are covered and you can go on the irs website or call and get your EIN # for free (tax id).

Secondly for insurance I went through USAA which directed me to Hartford (I think) but I have $1m in general liability and I just added a commercial rider to my car insurance that I have through them because for commercial insurance they wanted almost $400 a month and so they asked do you have employees and I said no so thats when they recommended me do that to save a ton and so my policy with the $1m and $6k for my equipment and the commercial rider to my car insurance was almost $300 down and then 3 more payments of $246 so a total for the year is just over $1k

Hope this helps!!!!


Also i have a 2009 GMC Dually and all brand-new everything and all echo so thats where I have come up with the 6K figure for the property insurance!
__________________
LICENSED AND INSURED

Reply With Quote
  #5  
Old 02-24-2012, 04:58 PM
j.a.lawnervces j.a.lawnervces is offline
Junior Member
 
Join Date: Jul 2011
Location: indian mound tn
Posts: 13
Rep Power: 3
j.a.lawnervces is on a distinguished road
Default

well here in tn the mininum is $300 to start a llc..To get a business lic for county and city is $30 for both with being a S.P they do not reserve your business name only for a llc or a corporation will they reserve your name. since i do not have he cash to pay for a llc rate now i was going to get 1mil for vehicle insurance and 12k for trailer and equit and 1mil in liability.
Reply With Quote
  #6  
Old 02-24-2012, 05:33 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

Some things vary by state.

Here in PA, I do not need commercial insurance on my vehicle unless I have it registered/titled in my business name and/or I have any employees who will drive it.
My standard auto policy has remained in effect and unchanged - no rate increase for use in my business.
If I wish, I can get extra coverage to cover the trailer/equipment, as that isn't covered under the auto policy.


Liability insurance varies as well. Here in PA, the minimum required coverage is $500,000. Most people get 1 million since the cost is literally only a few dollars more.

Get out your phone book and make some calls. Explain what you are looking for and see what they have to say. Some companies are more familiar than others when it comes to insuring landscapers. When I called around, some simply gave me a price, while others asked me very specific questions about my business. They asked because they wanted to be sure they were offering the coverage I NEEDED and not covering me for things that I wasn't doing - like felling trees.

I ended up using the Erie agent that we have our homeowner's insurance with. The price was about $50 more than my lowest quote, but the low quote was from some place I've never heard of and they also asked no questions - just gave me a quote. In talking to my agent, I realized that she has years of experience dealing with lawn care operators. I felt comfortable with what she was offering.

I think I pay $450/year for 1 million business liability.
Reply With Quote
  #7  
Old 02-24-2012, 05:35 PM
HAMPTON ROADS LAWN CARE HAMPTON ROADS LAWN CARE is offline
Member
 
Join Date: Feb 2012
Posts: 78
Rep Power: 3
HAMPTON ROADS LAWN CARE is on a distinguished road
Default

Quote:
Originally Posted by j.a.lawnervces View Post
well here in tn the mininum is $300 to start a llc..To get a business lic for county and city is $30 for both with being a S.P they do not reserve your business name only for a llc or a corporation will they reserve your name. since i do not have he cash to pay for a llc rate now i was going to get 1mil for vehicle insurance and 12k for trailer and equit and 1mil in liability.

Look @ doing an S-Corp thats the way to go not a LLC imo........and yeah see if your insurance company will allow you to use it for commercial use and personal (if need be) because commercial auto seems to be wayyyyy 2 expensive so thats why i say talk to them and see if they will cover you commercially with your existing policy.

The equipment coverage is optional but needed just in case some clown wants to steal your trailer and gear! But yeah thats why you go corp or llc to get your name because if not you could have a competitor go and file with the state and you are S.O.L. then you will need to change your name.

But anyway good luck this will be my first season as well but I have started and ran a few other successful businesses so all of this has been like second nature for me just ready to get started!!!
__________________
LICENSED AND INSURED

Reply With Quote
  #8  
Old 02-24-2012, 05:50 PM
dpld dpld is offline
new member
 
Join Date: Jan 2012
Location: nj
Posts: 885
Rep Power: 0
dpld is on a distinguished road
Default

Quote:
Originally Posted by HAMPTON ROADS LAWN CARE View Post
Look @ doing an S-Corp thats the way to go not a LLC imo........and yeah see if your insurance company will allow you to use it for commercial use and personal (if need be) because commercial auto seems to be wayyyyy 2 expensive so thats why i say talk to them and see if they will cover you commercially with your existing policy.

The equipment coverage is optional but needed just in case some clown wants to steal your trailer and gear! But yeah thats why you go corp or llc to get your name because if not you could have a competitor go and file with the state and you are S.O.L. then you will need to change your name.

But anyway good luck this will be my first season as well but I have started and ran a few other successful businesses so all of this has been like second nature for me just ready to get started!!!
LLC is the way to go Screw the S-corp. ask any accountant and they will tell you the same thing for a small business.
Reply With Quote
  #9  
Old 02-24-2012, 06:08 PM
Fireman Gus Fireman Gus is offline
Member
 
Join Date: Feb 2012
Posts: 30
Rep Power: 3
Fireman Gus is on a distinguished road
Default

In Oklahoma the liability insurance for lawn business is very minimal. I had $100,000 for $300 with an Independent agent. Now we are with USAA, since my son is ex-military, and we have 1 Million liability for $900 per year. Includes theft, and accident.
Reply With Quote
  #10  
Old 02-25-2012, 11:47 AM
HAMPTON ROADS LAWN CARE HAMPTON ROADS LAWN CARE is offline
Member
 
Join Date: Feb 2012
Posts: 78
Rep Power: 3
HAMPTON ROADS LAWN CARE is on a distinguished road
Default

Quote:
Originally Posted by dpld View Post
LLC is the way to go Screw the S-corp. ask any accountant and they will tell you the same thing for a small business.
Thats funny that you say this but this is my 3rd business I have started and all S-Corps. But the big problem with an LLC is that you have to pay tax on ALL of your profits. I would rather pay tax on my NET not my Gross.

And to answer your question is that my 3 different accountants and my 2 different lawyers I have had they all have suggested S-corp due to the taxation and the covering of my personal assets.

I know an LLC covers your personal assets as well but an S-Corp is a better deal for taxation.......IMO!!!!!
__________________
LICENSED AND INSURED

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
What Insurance do I need? eaglesman522 Starting a lawn care business. 1 11-24-2011 08:05 AM
insurance kkkkkkk Community Assistance 5 04-15-2010 11:27 AM
insurance jasonw Starting a lawn care business. 9 10-06-2009 04:52 PM
Insurance AllProlawn Starting a lawn care business. 10 12-22-2008 02:37 AM
Insurance Steve General Talk 5 02-15-2007 10:30 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
new trailer help
mattthelawnguy
07-11-2014 08:21 PM
Today 06:31 PM
by mattthelawnguy
13 416
Echo Edger 'Neutral'
WesleySnips
Today 05:28 PM
Today 05:58 PM
by Just for Cuts
1 34
Single tree, mow customer
WesleySnips
06-27-2014 10:12 AM
Today 05:43 PM
by WesleySnips
13 546
New from Texas
Livingston Lawn Care
Today 11:17 AM
Today 01:47 PM
by Steve
1 55
Left handed edging with...
SGL1
07-23-2014 08:59 PM
Today 01:37 PM
by Just for Cuts
9 166
You know it;s gonna be a...
stevef1201
Today 08:50 AM
Today 01:34 PM
by Steve
1 52
Customer letters
kslawn
07-23-2014 06:17 AM
Today 01:20 PM
by Steve
5 146
Texas lawn care company...
Livingston Lawn Care
Today 11:29 AM
Today 01:18 PM
by Just for Cuts
3 64
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 10:12 PM
by ExtremeLawncareServices
77 4,406
Got my first lawn job...
SGL1
06-11-2014 09:19 PM
Yesterday 07:09 PM
by SGL1
29 1,202
Need help determining...
Jbss861
07-20-2014 02:33 PM
Yesterday 01:11 PM
by Steve
13 338
Should I ?
googus
07-22-2014 04:06 PM
Yesterday 12:10 PM
by Steve
4 178
My First Apartment...
SSLCtn
05-26-2014 10:17 PM
Yesterday 06:46 AM
by kslawn
15 872
Crop Rotation Techniques...
eastsidelandcare
07-17-2014 03:47 PM
Yesterday 06:38 AM
by kslawn
3 186
Selling lawns like...
eastsidelandcare
07-17-2014 03:51 PM
Yesterday 06:28 AM
by kslawn
3 228
Scag new "Eliminator"......
ExtremeLawncareServices
07-20-2014 10:45 AM
07-23-2014 05:37 PM
by Just for Cuts
9 259
need professional advice...
Fiddlers_green
07-20-2014 07:21 PM
07-23-2014 12:42 PM
by Steve
3 172
new to me box truck
jrayb39667
03-06-2014 10:20 PM
07-23-2014 12:40 PM
by Steve
15 1,358
Lawn Service back in...
LawnCareMan280
07-18-2014 09:00 PM
07-23-2014 11:48 AM
by Steve
4 213
Overspray?
stevef1201
07-21-2014 04:20 PM
07-23-2014 11:39 AM
by Steve
3 117
Hello Everyone! Newbie...
SLKlawn
07-17-2014 06:22 PM
07-22-2014 01:53 PM
by Steve
6 253
Proper height for lawn
rob lederhilger
05-26-2014 08:01 AM
07-21-2014 02:53 PM
by LawnDoctor
9 643
Blade sharpener
Just for Cuts
07-04-2014 12:31 PM
07-21-2014 01:48 PM
by Steve
9 473
What's my business worth?
Chaz
07-16-2014 01:35 PM
07-21-2014 01:45 PM
by Steve
4 256
1.5 Acre Jungle
WesleySnips
07-15-2014 05:57 PM
07-20-2014 11:31 AM
by ExtremeLawncareServices
21 571
Gopher schedule software
Ray
07-18-2014 04:13 PM
07-18-2014 04:13 PM
by Ray
0 149
2006 Chevy fuel pump...
KevinsLawns
07-17-2014 08:39 PM
07-18-2014 11:51 AM
by Steve
1 150
Halfway point of year!
Steve
07-01-2014 12:08 PM
07-18-2014 11:38 AM
by Steve
14 696
I got told to leave and...
gwilson98
06-16-2014 02:07 PM
07-17-2014 11:43 AM
by Steve
16 1,017
Hey guys this is the...
prmenter@gmail.com
07-07-2014 08:23 PM
07-16-2014 08:10 PM
by ExtremeLawncareServices
28 740
Mowing the hills
prmenter@gmail.com
07-08-2014 12:22 PM
07-16-2014 05:00 PM
by Just for Cuts
18 675
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-15-2014 05:38 PM
by icon2000
1,184 319,032
need some help geting...
dalvan0
07-13-2014 09:28 PM
07-15-2014 11:56 AM
by Steve
5 247
Classified Ad Template...
bcfb
06-05-2013 02:40 AM
07-15-2014 11:16 AM
by Steve
15 3,689
Husqvarna pz 60
CDLAWNCARE
07-06-2014 06:50 PM
07-15-2014 08:53 AM
by kslawn
10 434
Lowballers
Chaz
07-11-2014 03:55 PM
07-14-2014 12:27 PM
by Steve
5 354
My new side job
Sprinkler Buddy
05-10-2014 05:23 AM
07-14-2014 12:15 PM
by Steve
10 814
Illegal spraying
GoGreenerKS
07-04-2014 09:11 AM
07-13-2014 10:36 PM
by GoGreenerKS
10 537
New Mower and Trailer
Chaz
06-25-2014 12:04 PM
07-13-2014 06:25 PM
by SGL1
7 544
What Fertilizer to Use?
acrajchel
04-07-2014 01:56 PM
07-12-2014 07:36 PM
by SGL1
21 1,864
Fuel and fuel additives
SGL1
07-06-2014 10:23 AM
07-11-2014 07:53 PM
by SGL1
15 533
Questions for a patchy...
jumcgee
07-09-2014 08:42 AM
07-11-2014 12:34 PM
by Steve
1 203
toro proline blades wont...
boog
06-25-2014 06:26 PM
07-11-2014 05:28 AM
by kslawn
18 636
Contents of Marketing to...
prmenter@gmail.com
07-09-2014 05:25 PM
07-10-2014 03:23 PM
by Steve
3 297
Shindaiwa
CLB454
05-13-2014 09:04 PM
07-10-2014 03:04 PM
by Steve
14 776
Starting New in FL
mmcuttrim
08-06-2010 09:22 AM
07-10-2014 02:44 PM
by Steve
48 11,253
Bid help 45 on acre...
Priggan
06-26-2014 12:56 PM
07-09-2014 08:38 AM
by kslawn
7 513
need help bidding fence...
veteranslawncaresystems
07-03-2014 10:33 AM
07-08-2014 12:00 PM
by Steve
5 377
Trimmer or Knife?
gwilson98
07-04-2014 09:56 PM
07-07-2014 02:41 PM
by Steve
6 340
Started a New Solar Lawn...
Solar Lawn Care
06-08-2013 01:40 AM
07-07-2014 01:55 PM
by Steve
37 7,415
» Popular Tags
2wd 34'' ads blades charge christmas christmas light hanging credit card customers ditches employee problems exmark fall ferris financing franchise georgia gopherhaul grass gravely growing a lawn care business health holiday how much to charge installation invoice kansas city late lawn 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 lesco lighting brass outdoor lights marketing mechanic monthly mowing mulch price new and restored landscapes new buisness new business organize podcast promotion pto riding mower running a business savannah scag schedule seo social media starting a business steep lawns stihl sulky top dresser toro toro grand stand tree care trimmer rack walk behind walker winter services
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 09:49 PM.


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

All times are GMT -5. The time now is 09:49 PM.

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