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
Things your lawn care...
Steve
Today 11:48 AM
Today 11:48 AM
by Steve
0 16
I can't believe people...
ExtremeLawncareServices
05-25-2015 10:29 AM
Today 11:45 AM
by jrs.landscaping
9 211
Show us your stripes
Just for Cuts
05-21-2015 03:07 PM
Today 11:35 AM
by Steve
5 157
What a JERK!
Chilehead
05-06-2015 08:13 AM
Today 11:28 AM
by Steve
14 736
Pissed off customers
stonegatedesigns
Yesterday 05:29 PM
Today 11:26 AM
by Steve
3 95
Great start to the season
jcurr33
05-25-2015 08:49 PM
Yesterday 01:50 PM
by Steve
2 76
uploading video on here?
holymoly
05-24-2015 08:13 AM
Yesterday 01:37 PM
by Steve
2 85
new here ! need help
pgrace
05-23-2015 11:29 PM
Yesterday 01:35 PM
by Steve
1 90
Equipment dealers
mattthelawnguy
05-21-2015 04:33 PM
Yesterday 01:32 PM
by Steve
4 139
What's your next...
Steve
05-15-2015 11:54 AM
Yesterday 01:25 PM
by Steve
14 380
problems with a customer
LawnCareMan280
05-19-2015 06:28 PM
Yesterday 01:22 PM
by Steve
5 201
More Rain or Less?
Steve
05-20-2015 12:06 PM
05-24-2015 04:37 PM
by SGL1
12 268
Irrigation
pboy8634
02-21-2010 12:46 PM
05-22-2015 10:05 PM
by biglee
25 8,451
Beginner Mistakes:...
Steve
01-31-2007 11:45 AM
05-22-2015 09:58 PM
by biglee
37 9,175
Peace garden ideas
SGL1
05-13-2015 03:15 PM
05-21-2015 07:51 PM
by avetslawncare
16 519
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
05-20-2015 09:18 PM
by ExtremeLawncareServices
84 6,839
Total yard rehab
SGL1
04-23-2015 03:59 PM
05-19-2015 08:22 PM
by SGL1
15 824
Say Hello !!!
Steve
03-19-2007 11:18 AM
05-19-2015 04:12 PM
by NinaMarie86
1,223 389,959
New Lawn Service
carmelitaslawnservice
05-19-2015 10:02 AM
05-19-2015 02:51 PM
by Steve
1 126
Landscaper Jailed After...
SGL1
05-18-2015 08:15 AM
05-19-2015 02:37 PM
by Steve
5 229
Pictures of commercial...
avetslawncare
04-01-2015 09:47 PM
05-19-2015 02:29 PM
by Steve
38 2,028
feeling like im being...
Bradcook21
05-17-2015 07:33 AM
05-19-2015 02:11 PM
by Steve
6 235
good news yesterday
Bradcook21
05-17-2015 07:08 AM
05-19-2015 06:16 AM
by Bradcook21
3 166
ignition coil
jasonw
05-12-2015 05:31 PM
05-18-2015 12:07 PM
by Steve
3 281
Anyone need help? I have...
biglee
05-06-2015 12:22 PM
05-18-2015 12:06 PM
by Steve
13 711
Big (to me) mulch job
tl757
04-23-2015 05:32 PM
05-15-2015 08:46 PM
by biglee
22 1,515
big dog mowers?
Bradcook21
05-13-2015 04:03 PM
05-14-2015 10:55 AM
by Steve
4 304
Small HOA Bid
lxarth
05-06-2015 10:37 PM
05-13-2015 11:55 AM
by Steve
9 530
New company in Michigan
SEM
04-24-2015 09:27 PM
05-13-2015 11:51 AM
by Steve
11 662
Fired for refusing to...
Mr. Mow
05-09-2015 06:15 AM
05-12-2015 01:36 PM
by Steve
6 524
I have ZERO confidence...
Just for Cuts
05-01-2015 04:24 PM
05-12-2015 03:53 AM
by jrs.landscaping
31 1,130
landscape insurance
clarkslawn
03-30-2015 10:14 PM
05-11-2015 01:15 PM
by Steve
6 1,041
String trim BEFORE mow...
Mr. Mow
04-12-2015 08:13 AM
05-10-2015 07:50 PM
by ExtremeLawncareServices
9 1,083
Bought my first STIHL...
Mr. Mow
05-09-2015 06:29 AM
05-10-2015 08:36 AM
by Mr. Mow
9 435
advice wanted please and...
CHenricks
05-07-2015 08:40 PM
05-08-2015 04:20 PM
by CHenricks
7 448
Hello
SallyBorowicz
05-06-2015 11:14 AM
05-08-2015 02:21 PM
by Steve
3 359
Mower Advice
tl757
05-06-2015 02:31 PM
05-08-2015 01:45 PM
by Steve
6 486
Home today...Still...
biglee
05-06-2015 11:59 AM
05-07-2015 12:06 PM
by biglee
2 364
I'm Back With The Best...
aduttonater
02-21-2015 12:41 AM
05-07-2015 11:17 AM
by Steve
79 4,014
color fliers?
holymoly
04-18-2015 02:32 PM
05-07-2015 10:57 AM
by Steve
16 1,053
Looking good
mrsmichigan
05-06-2015 09:47 AM
05-07-2015 10:53 AM
by Steve
1 306
What are your biggest...
Steve
05-05-2015 01:24 PM
05-07-2015 10:52 AM
by Steve
2 358
is craiglist good to...
JBENI
04-16-2015 11:11 AM
05-06-2015 07:15 PM
by TheYardGuy
12 1,141
Go daddy web site and...
jcurr33
05-04-2015 06:00 PM
05-05-2015 11:57 AM
by Steve
2 385
How busy are you now?
Steve
05-04-2015 01:10 PM
05-05-2015 11:47 AM
by Steve
4 420
mowfinder
scaypa
04-27-2015 05:44 PM
05-04-2015 01:14 PM
by Steve
1 446
Latest video, Facebook...
Sprinkler Buddy
05-01-2015 06:54 AM
05-04-2015 01:09 PM
by Steve
3 418
weed
avetslawncare
04-16-2015 07:56 PM
05-01-2015 11:38 AM
by Steve
8 831
so i need somehelp with...
dalvan0
04-28-2015 07:43 PM
04-30-2015 10:55 PM
by avetslawncare
3 727
Anyone have a Lawn Care...
nishirandall
04-28-2015 08:45 PM
04-30-2015 12:00 AM
by Steve
1 491
» Popular Tags
ad landscaping aerocore apartment bid apartment complex auger bark billy goat brushcutter blades blowout bush collections contract help curb appeal services deliquentaccounts ditches edging employee problems equipment dealer equipment rental facebook flyers foreman google grass growing a lawn care business hardscapes hills hiring husqvarna john deere quik trac landscape landscape services landscaping training lawn lawn care lawn mowing marketing marketing secrets more customers business mr dave mulch past due per hour charge per hour service pricing profit on employee pto push versus ride running a business scag scripts sell the vision seo shell small engine repair square foot starting a lawn care business steep lawns swzt theft toro grand stand trailer tree trimmer rack truck new used landscape up sell employee web design website won't return www.greenturion.co.za
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 02:26 PM.


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

All times are GMT -5. The time now is 02:26 PM.

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