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 > Lawn Care, Landscaping, and Property Management Forums > General Talk

General Talk If it doesn't fit anywhere else, post it here.

General Liability Insurance


General Talk

If it doesn't fit anywhere else, post it here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 04-17-2012, 05:09 PM
steven59937 steven59937 is offline
Junior Member
 
Join Date: Jul 2011
Location: Kalispell, Montana
Posts: 10
Rep Power: 4
steven59937 is on a distinguished road
Default General Liability Insurance

Can anyone recommend or point me in a good direction for finding a insurance company for a liability coverage. And how much should it cost?
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 04-17-2012, 05:19 PM
WorkForMySelf WorkForMySelf is offline
new member
 
Join Date: Jan 2012
Posts: 210
Rep Power: 0
WorkForMySelf is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
I was just getting ready to ask the same question.

I just got quoted $879 a year for lawn care and tree trimming liability at $500,000 coverage. The down payment is $580 this is gonna kill me since i am just getting started.
Reply With Quote
  #3  
Old 04-17-2012, 06:36 PM
blueskymowing blueskymowing is offline
Junior Member
 
Join Date: Jul 2010
Posts: 8
Rep Power: 5
blueskymowing is on a distinguished road
Default the shark suit solution?

Quote:
Originally Posted by WorkForMySelf View Post
I was just getting ready to ask the same question.

I just got quoted $879 a year for lawn care and tree trimming liability at $500,000 coverage. The down payment is $580 this is gonna kill me since i am just getting started.
I hear ya, that's why i wear a mesh shark suit to work. But that thing was $500. No wonder I can't make any money!
Reply With Quote
  #4  
Old 04-17-2012, 06:56 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

Holy crap.

My policy is $350 a year for 1 million liability.

I went through Erie. We use them for out homeowners and use Allstate for our vehicles - Allstate (at least my agent) "doesn't really handle business liability insurance". My Allstate agent suggested I use someone else.

I called a few places before choosing to go with Erie. I found one that was less money, but I was getting a bad vibe. I'd rather pay more for coverage I can count on with an agent familiar with this business.

Now that I've bought my 36" walk behind, I'm going to add an "enhanced" coverage that will cover the equipment as well as a more "inclusive" coverage for property damage. I think it will add $150 to my policy.
Reply With Quote
  #5  
Old 04-17-2012, 08:41 PM
Cashin H&P Cashin H&P is offline
new member
 
Join Date: May 2011
Location: Bedford NH
Posts: 409
Rep Power: 0
Cashin H&P is on a distinguished road
Default

Find a good agent to work with. I have 1 million in liability and 1 million on my truck/trailer I pay 2200 a year for this but you NEED it. What happens if you send a rock flying into someones french doors? or worse if you hit a child with a rock. My policy cost me more then some of you because Im 19 and they usually dont insure anyone under 21 but my agent is a family friend who faught for me. Insurance is one thing you do not want to skimp on.
Reply With Quote
  #6  
Old 04-17-2012, 11:10 PM
WorkForMySelf WorkForMySelf is offline
new member
 
Join Date: Jan 2012
Posts: 210
Rep Power: 0
WorkForMySelf is on a distinguished road
Default

Quote:
Originally Posted by cashin home and property View Post
Find a good agent to work with. I have 1 million in liability and 1 million on my truck/trailer I pay 2200 a year for this but you NEED it. What happens if you send a rock flying into someones french doors? or worse if you hit a child with a rock. My policy cost me more then some of you because Im 19 and they usually dont insure anyone under 21 but my agent is a family friend who faught for me. Insurance is one thing you do not want to skimp on.
Yeah I am 24 and never had insurance before. Just the mention of trimming trees had a agent basically hang up the phone on me when i was calling around for quotes. Insurance is definitely not something to skimp on but dont file a claim unless its big. Pay cash for whatever you break if you can.
Reply With Quote
  #7  
Old 04-18-2012, 04:13 AM
CS-LawnService CS-LawnService is offline
Senior Member
 
Join Date: Sep 2011
Location: Paw Paw West Virginia
Age: 51
Posts: 133
Rep Power: 4
CS-LawnService is on a distinguished road
Default

I use Farmers and Mechanics @446 a year for 2million business liability and medical 2 million completed operations aggregate limit
__________________
Chris Hoeltke
serving Winchester Virginia and surrounding areas
C&S Lawn Service

Reply With Quote
  #8  
Old 04-18-2012, 09:32 PM
kdexpd's Avatar
kdexpd kdexpd is offline
Senior Member
 
Join Date: Mar 2009
Location: N.E. Missouri
Age: 35
Posts: 198
Rep Power: 7
kdexpd is on a distinguished road
Default

I use Farm Bureau. I pay $32 a month for 2 million liability.
__________________
Kendrick
Cedar Lawn Care Services, LLC
Kirksville, MO
Reply With Quote
  #9  
Old 04-19-2012, 04:45 PM
justin_time justin_time is offline
Justin
 
Join Date: Apr 2006
Location: French River, ON, Canada
Age: 29
Posts: 1,801
Rep Power: 0
justin_time is on a distinguished road
Default

I pay $1200/year for lawn care are snow removal for $2 mil liability here in Canada
Reply With Quote
Reply

Bookmarks

Tags
lawn care business insurance, liability insurance

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
Release of Liability Form???? YoungInnovations Community Assistance 3 07-15-2009 11:41 AM
Liability choicelandscapes General Business Discussions 9 09-13-2008 05:53 AM
Liability Insurance Audit? musician/lawnman General Talk 11 07-09-2008 06:38 PM
Business Liability Insurance ABurlison General Business Discussions 22 12-10-2007 09:30 PM
Forming a Limited Liability Company (LLC) mowboy General Business Discussions 0 11-04-2005 06:33 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Anyone need help? I have...
biglee
Today 12:22 PM
Today 12:22 PM
by biglee
0 12
Home today...Still...
biglee
Today 11:59 AM
Today 11:59 AM
by biglee
0 17
color fliers?
holymoly
04-18-2015 02:32 PM
Today 11:40 AM
by biglee
15 588
What a JERK!
Chilehead
Today 08:13 AM
Today 11:33 AM
by biglee
1 42
Hello
SallyBorowicz
Today 11:14 AM
Today 11:14 AM
by SallyBorowicz
0 18
I'm Back With The Best...
aduttonater
02-21-2015 12:41 AM
Today 10:50 AM
by biglee
77 3,177
Looking good
mrsmichigan
Today 09:47 AM
Today 09:47 AM
by mrsmichigan
0 20
What are your biggest...
Steve
Yesterday 01:24 PM
Yesterday 09:54 PM
by Chilehead
1 60
Big (to me) mulch job
tl757
04-23-2015 05:32 PM
Yesterday 08:50 PM
by avetslawncare
16 753
Go daddy web site and...
jcurr33
05-04-2015 06:00 PM
Yesterday 11:57 AM
by Steve
2 80
I have ZERO confidence...
Just for Cuts
05-01-2015 04:24 PM
Yesterday 11:55 AM
by Steve
20 408
How busy are you now?
Steve
05-04-2015 01:10 PM
Yesterday 11:47 AM
by Steve
4 112
Pictures of commercial...
avetslawncare
04-01-2015 09:47 PM
Yesterday 11:45 AM
by Steve
35 1,378
mowfinder
scaypa
04-27-2015 05:44 PM
05-04-2015 01:14 PM
by Steve
1 162
Latest video, Facebook...
Sprinkler Buddy
05-01-2015 06:54 AM
05-04-2015 01:09 PM
by Steve
3 141
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
05-04-2015 01:03 PM
by Steve
72 5,848
weed
avetslawncare
04-16-2015 07:56 PM
05-01-2015 11:38 AM
by Steve
8 494
so i need somehelp with...
dalvan0
04-28-2015 07:43 PM
04-30-2015 10:55 PM
by avetslawncare
3 357
Anyone have a Lawn Care...
nishirandall
04-28-2015 08:45 PM
04-30-2015 12:00 AM
by Steve
1 179
mowing pic
joshlawncare
04-25-2015 12:34 PM
04-29-2015 10:55 PM
by Steve
5 281
Help with a truck
bdodson89
04-27-2015 08:15 PM
04-29-2015 10:47 PM
by Steve
4 215
Ford F250 Wheel loaders...
jrs.landscaping
04-28-2015 05:34 AM
04-29-2015 07:47 AM
by jrs.landscaping
2 162
New company in Michigan
SEM
04-24-2015 09:27 PM
04-28-2015 11:56 AM
by Steve
6 245
Correct me if I'm wrong...
SGL1
04-26-2015 02:41 PM
04-28-2015 06:57 AM
by SGL1
12 303
Total yard rehab
SGL1
04-23-2015 03:59 PM
04-27-2015 06:57 PM
by SGL1
11 391
equipment marketplace?
jrs.landscaping
04-27-2015 04:49 PM
04-27-2015 06:09 PM
by jrs.landscaping
2 155
Buying contracts /...
greenscaper123
04-26-2015 04:46 PM
04-27-2015 05:59 PM
by Steve
2 195
Lawn Care Service in...
Friscobob
04-24-2015 03:33 PM
04-27-2015 05:44 PM
by Steve
4 269
what's the big deal...
Tony317
04-25-2015 02:19 PM
04-27-2015 05:43 PM
by Steve
3 208
Newb Question - Multiple...
DependiLawn
04-24-2015 11:36 PM
04-27-2015 05:36 PM
by Steve
1 198
maintandlawndispatch...
SGL1
04-21-2015 03:31 PM
04-24-2015 04:42 PM
by Steve
9 349
Thoughts on Undocumented...
element009
09-25-2011 11:08 AM
04-23-2015 09:32 PM
by Chilehead
56 15,770
Hello Everyone
DesignsByBnC
04-22-2015 04:07 PM
04-23-2015 02:19 PM
by DesignsByBnC
2 224
The upcoming rainy...
5StarLawnscaping
04-21-2015 01:22 PM
04-23-2015 12:54 PM
by Steve
7 319
WARNING! Especially to...
SC93
04-19-2015 12:05 PM
04-22-2015 01:39 PM
by Steve
14 628
Could be great news for...
SC93
04-14-2015 11:06 PM
04-22-2015 01:28 PM
by Steve
15 677
quick pic
joshlawncare
04-14-2015 07:49 PM
04-21-2015 05:01 PM
by joshlawncare
4 473
Got Inspected today
swstout
08-09-2010 10:31 PM
04-21-2015 03:53 PM
by SGL1
10 4,151
Smoked my first belt!
SGL1
04-20-2015 08:46 PM
04-21-2015 03:28 PM
by SGL1
4 286
lawn care business...
holymoly
04-18-2015 02:56 PM
04-21-2015 06:18 AM
by holymoly
3 388
landscape insurance
clarkslawn
03-30-2015 10:14 PM
04-20-2015 10:02 PM
by SGL1
4 623
Poll & Discussion...
CHEESE2009
09-16-2011 06:16 PM
04-20-2015 08:20 PM
by avetslawncare
27 5,824
Aerating / Dethaching...
Hard-Body lawn & garden
04-12-2015 07:53 PM
04-19-2015 08:49 PM
by Chilehead
17 834
Start LIKING FACEBOOK...
rlclawncare123
02-26-2015 12:06 AM
04-19-2015 09:21 AM
by KJ90
8 1,165
bidding a cemetery....
NPM_LLC
03-28-2015 10:56 AM
04-19-2015 05:26 AM
by RSE
22 1,224
Hustler Raptor
SGL1
04-13-2015 09:27 PM
04-18-2015 07:53 AM
by SGL1
15 661
is craiglist good to...
JBENI
04-16-2015 11:11 AM
04-17-2015 10:25 PM
by Wolf4dk
11 632
Am I missing something...
googus
04-11-2015 06:33 PM
04-17-2015 08:01 PM
by avetslawncare
10 713
Hello
sonny54
04-16-2015 09:49 PM
04-17-2015 03:10 PM
by Steve
1 322
Unreal
Chilehead
04-09-2015 09:12 PM
04-17-2015 08:27 AM
by Chilehead
11 849
» Popular Tags
ad landscaping aerocore apartment bid apartment complex apartment lawn care estimate applying auger bark billy goat brushcutter blades blowout bush collections contract help curb appeal services deliquentaccounts ditches employee problems equipment rental estimate facebook ferris flyers foreman free advertising google grass growing a lawn care business hills hiring husqvarna jobs john deere quik trac landscape landscape services landscaping training lawn lawn care managing a lawn care business marketing more customers business mr dave mulch new business past due per hour charge per hour service pricing pto push versus ride running a business sell the vision seo shell small engine repair snow plowing square foot starting a lawn care business steep lawns sulky theft toro toro grand stand trailer tree trimmer rack up sell employee web design website www.greenturion.co.za
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 01:56 PM.


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

All times are GMT -5. The time now is 01:56 PM.

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