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: 50
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: 6
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: 28
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
30 Inch Push Mowers Pros...
Billy Goat
06-27-2013 08:07 PM
Today 04:50 AM
by Billy Goat
25 6,406
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 08:12 PM
by ExtremeLawncareServices
122 8,533
This sucks...
Matther777
09-18-2014 04:56 PM
Yesterday 08:02 PM
by ExtremeLawncareServices
11 566
Trying something new,...
ExtremeLawncareServices
09-21-2014 09:07 PM
Yesterday 07:35 PM
by ExtremeLawncareServices
3 187
Hello from CNY
arazucontracting
Yesterday 06:07 PM
Yesterday 06:07 PM
by arazucontracting
0 53
Kohler command carb...
ExtremeLawncareServices
09-21-2014 03:09 PM
Yesterday 04:52 PM
by Steve
4 214
Not sure, but anyone do...
SnowRemoval2k14
Yesterday 12:10 AM
Yesterday 04:49 PM
by Steve
1 162
Tribulations of working...
stevef1201
09-13-2014 08:37 AM
Yesterday 04:45 PM
by Steve
9 630
Mulching beds
Bradcook21
09-21-2014 07:43 AM
Yesterday 04:43 PM
by Steve
3 238
Replacing a Shindi T-27
Dan Tanner
09-13-2014 12:59 PM
Yesterday 04:36 PM
by Steve
3 628
Scag turf tiger hydrolic...
ExtremeLawncareServices
09-04-2014 10:55 PM
Yesterday 04:35 PM
by Steve
12 989
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
09-21-2014 09:23 PM
by ExtremeLawncareServices
3 962
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
09-19-2014 03:29 PM
by acrajchel
6 1,171
snowplowing
jshak40
09-01-2014 07:20 AM
09-19-2014 11:49 AM
by Steve
23 1,563
Looking for feed back on...
ExtremeLawncareServices
09-17-2014 08:38 AM
09-19-2014 08:17 AM
by ExtremeLawncareServices
9 568
Lowballers scrubs &...
Darksteel
01-13-2014 07:35 AM
09-18-2014 06:32 PM
by Northwoods Outdoors
58 6,967
Hello from upstate NY!
A&MLawn&Snow
09-18-2014 11:19 AM
09-18-2014 04:10 PM
by Sprinkler Buddy
2 420
Price to apply fertilizer
SS.Lawncare
09-15-2014 11:10 AM
09-18-2014 01:16 PM
by Steve
9 679
Trailer tires
J.A.S.LawnService
09-01-2014 10:17 AM
09-17-2014 09:57 PM
by curts lawn care
4 1,070
new to the forum
SGlawncare
09-16-2014 11:20 PM
09-17-2014 08:29 PM
by curts lawn care
3 493
Help With Snow Blowing...
Robertf31
09-13-2014 10:55 PM
09-17-2014 12:34 PM
by Steve
11 834
Non-Stop Summer?
SouthallMowing
09-14-2014 10:51 PM
09-17-2014 10:48 AM
by stevef1201
6 619
Poll - net income
Dan5082
11-15-2010 08:08 PM
09-16-2014 04:44 PM
by jrs.landscaping
12 3,355
Getting lowballed!
PineHillLawn
06-27-2012 07:23 AM
09-16-2014 01:25 PM
by jrs.landscaping
24 5,064
Compare this summer to...
Steve
09-03-2014 12:52 PM
09-16-2014 11:20 AM
by Hanks Lawn Care Services
15 1,269
thinking about throwing...
veteranslawncaresystems
09-09-2014 10:31 PM
09-15-2014 03:41 PM
by Steve
12 944
Hello
Robertf31
09-12-2014 10:34 PM
09-15-2014 03:17 PM
by Steve
2 530
Newbie......Again
Jibber
09-13-2014 12:17 PM
09-15-2014 02:54 PM
by Sprinkler Buddy
2 634
need help with starter...
GoGreenerKS
09-12-2014 04:23 PM
09-15-2014 02:25 PM
by Steve
3 548
Brake job!
kslawn
08-30-2014 07:49 AM
09-15-2014 02:16 PM
by Steve
12 1,274
Hello
jawnebgoode
08-28-2014 08:37 PM
09-15-2014 02:15 PM
by Steve
3 1,036
Employee uniforms
Gerardo_Landscape
01-21-2014 11:11 PM
09-15-2014 02:12 PM
by Steve
5 1,155
Greetings from the north
Northwoods Outdoors
09-13-2014 08:55 AM
09-15-2014 02:07 PM
by Steve
1 519
darleneh
darleneh
09-15-2014 12:33 PM
09-15-2014 02:07 PM
by Sprinkler Buddy
1 533
My 1st bid
WesleySnips
06-11-2014 03:13 PM
09-15-2014 02:05 PM
by Steve
29 1,950
New Aerator
Chaz
09-09-2014 11:43 PM
09-15-2014 01:50 PM
by Steve
9 776
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
09-15-2014 01:23 PM
by stevef1201
8 1,443
getting ready to start
calebmoss
05-23-2011 09:35 PM
09-11-2014 12:21 PM
by Steve
34 11,434
Stihl pull cord replace
SGL1
09-03-2014 09:22 PM
09-10-2014 12:25 PM
by Steve
9 947
Softball field
kslawn
08-15-2014 09:28 AM
09-10-2014 12:16 PM
by Steve
18 1,711
Lawn Route Templates
Landscaper1165
08-30-2014 01:52 PM
09-09-2014 08:05 PM
by Landscaper1165
4 1,202
New truck and trailer...
Johnny Rocket
05-14-2012 03:41 PM
09-09-2014 07:23 PM
by Matther777
18 6,766
What gets you bad press?
Steve
09-09-2014 11:48 AM
09-09-2014 07:21 PM
by Matther777
2 644
Signs on your snow plow?
Steve
01-15-2007 01:07 AM
09-09-2014 11:42 AM
by Steve
19 6,393
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
09-08-2014 08:08 PM
by avetslawncare
12 1,485
New to the business
flamingyouth87
09-05-2014 11:52 AM
09-08-2014 11:55 AM
by Steve
3 863
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
09-08-2014 11:51 AM
by Steve
7 1,166
Facebook
element009
03-23-2011 08:36 AM
09-07-2014 07:35 AM
by avetslawncare
24 7,936
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
09-06-2014 02:09 PM
by Bradcook21
8 1,256
billing matters
sbuchanan8154
09-05-2014 09:56 AM
09-05-2014 03:00 PM
by Steve
3 838
» Popular Tags
2wd apartment complex article marketing bid blades charge christmas lighting collections collections subcontractor commercial customers decorating ditches employee problems exmark ferris fundraiser georgia gopherhaul grass gravely growing a lawn care business hardscapes holiday lighting how much to charge installation kawasaki landscape services lawn lawn care 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 leaf lighting brass outdoor lights marketing mow mulch new buisness past due podcast promotion pto redmax running a business savannah scag schedule seo small engine repair snow sprayer starting a business steep lawns stihl sulky theft of services top dresser toro trimmer rack truck new used landscape turfgrass consulting walk behind walker won't return
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 04:59 AM.


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

All times are GMT -5. The time now is 04:59 AM.

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