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.

Insurance


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 02-26-2013, 10:46 AM
Hlngresh Hlngresh is offline
Junior Member
 
Join Date: Feb 2013
Posts: 4
Rep Power: 2
Hlngresh is on a distinguished road
Default Insurance

Been searching for Insurance just don't know what kind we really need.
Just starting no employees only husband and myself. Do we really need business insurance at this time? I would really like an Insurance that will cover our equipment if it is stolen from the jobsite or our home. Like at night and we are sleeping. Any recommendations will be helpful.
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 02-26-2013, 11:01 AM
stevef1201 stevef1201 is offline
Senior Member
 
Join Date: Apr 2010
Location: Central Florida
Posts: 1,183
Rep Power: 6
stevef1201 is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
YES you need liability insurance, that covers you for any damage that occurs while working, like a rock through a window. You should also have theft insurance, so if your stuff is stolen in the middle of the night (this happens more than people would like to admit) you wont be 'out'.
I got mine by calling independent agents until I found one who said that they could get it.
I got 1M in liability and 25K in theft for about 50 bucks a month, it will be differnet in your area however
Reply With Quote
  #3  
Old 02-26-2013, 11:54 AM
Hlngresh Hlngresh is offline
Junior Member
 
Join Date: Feb 2013
Posts: 4
Rep Power: 2
Hlngresh is on a distinguished road
Default

Thanks will shop around. I also found a lot of the answers to my questions by signing up for The Lawn Business School. Going to make my husband take this as well.
Reply With Quote
  #4  
Old 02-26-2013, 12:39 PM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 36,616
Rep Power: 10
Steve has disabled reputation
Default

Here is an article on my blog that may help shed more light on the topic.

16 most common Lawn Care Business Insurance questions answered.
__________________
- Subscribe to my Lawn Care Marketing Blog Feed and get daily tips sent to you. Free!
Download your Free trial of Gopher Lawn Care Software.
Reply With Quote
  #5  
Old 02-26-2013, 03:41 PM
Caskey Lawns & Landscapes's Avatar
Caskey Lawns & Landscapes Caskey Lawns & Landscapes is offline
Senior Member
 
Join Date: Feb 2012
Location: Gettysburg PA
Posts: 282
Rep Power: 3
Caskey Lawns & Landscapes is on a distinguished road
Default

I bundled mine with my home insurance...Check with your agent and tell them what you need.....You MUST have general liability in case something happens while on some one else's property...
Reply With Quote
  #6  
Old 02-26-2013, 05:24 PM
Greg'slawnandlandscape Greg'slawnandlandscape is offline
Senior Member
 
Join Date: Jan 2013
Location: Jacksonville north Carolina
Posts: 386
Rep Power: 2
Greg'slawnandlandscape is an unknown quantity at this point
Default

I went through Sia the work with several insurance company's it allowed me to get a Better price
Reply With Quote
  #7  
Old 02-26-2013, 05:44 PM
Billy Goat's Avatar
Billy Goat Billy Goat is offline
Senior Member
 
Join Date: Nov 2012
Posts: 163
Rep Power: 3
Billy Goat is on a distinguished road
Default

General liability 1M coverage policy should be between $50-$60 a month from a well known insurance company. The coverage should include X amount for theft or damage to your equipment. A 1M policy is the average but they do have 500K and 2M policies. From what I was quoted that a 500K policy was only $5 cheaper than a 1M policy.
Reply With Quote
  #8  
Old 02-26-2013, 06:16 PM
SECTLANDSCAPING SECTLANDSCAPING is offline
new member
 
Join Date: Jul 2009
Location: CT
Posts: 1,912
Rep Power: 0
SECTLANDSCAPING is on a distinguished road
Default

Your all forgetting commercial auto. If you get into a accident with personal insurance youll be footing the bill.
Reply With Quote
  #9  
Old 02-27-2013, 06:06 AM
Billy Goat's Avatar
Billy Goat Billy Goat is offline
Senior Member
 
Join Date: Nov 2012
Posts: 163
Rep Power: 3
Billy Goat is on a distinguished road
Default

Quote:
Originally Posted by SECTLANDSCAPING View Post
Your all forgetting commercial auto. If you get into a accident with personal insurance youll be footing the bill.
Running a legit business involves alot of legal stuff. Having the proper auto insurance is another thing on the list. This type of business will also require some kind of commercial auto insurance coverage. Your insurance agent will ask you a ton of questions to determine your rate. Just like personal auto insurance you can shop around for better rates. Remember we live a "Sue Happy Society" and its better to have more coverage than not enough.
Reply With Quote
  #10  
Old 02-27-2013, 08:10 AM
willshome willshome is offline
new member
 
Join Date: Jan 2012
Location: Mass
Posts: 865
Rep Power: 0
willshome is on a distinguished road
Default

Quote:
Originally Posted by Billy Goat View Post
"Sue Happy Society"
just wait til your driving around and someone walks out in front of you. Does not happen often when I am driving a car but all the time when I'm driving my truck. So drive careful, have to much insurance, and get a cheap dashboard cam.
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
how much do you pay for insurance and what is your insurance coverage veteranslawncaresystems General Business Discussions 2 05-12-2012 04:14 PM
Insurance? Golftrick17 Starting a lawn care business. 8 03-15-2011 06:09 AM
Insurance DillonB92 Starting a lawn care business. 13 08-05-2010 11:12 PM
insurance kkkkkkk Community Assistance 5 04-15-2010 12:27 PM
Insurance Steve General Talk 5 02-15-2007 11:30 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
leaf removal
Double J LLC
10-03-2014 05:24 PM
Today 04:35 PM
by achri12
26 2,624
Thanksgiving cards
Steve
11-10-2008 11:57 AM
Today 04:29 PM
by achri12
3 8,610
Hi to you NOTHERNERS
stevef1201
11-11-2014 05:56 PM
Today 10:27 AM
by kslawn
6 430
Happy Thanksgiving!
Steve
Today 09:48 AM
Today 09:48 AM
by Steve
0 26
Say Hello !!!
Steve
03-19-2007 12:18 PM
Yesterday 10:30 PM
by Just Cuts
1,194 349,033
Contract or no contract?
TRV
11-20-2014 09:18 PM
Yesterday 09:23 PM
by stevef1201
5 294
Good help is hard to find
Hanks Lawn Care Services
11-19-2014 03:27 PM
Yesterday 09:16 PM
by stevef1201
9 355
New parking area
ExtremeLawncareServices
11-07-2014 09:47 PM
Yesterday 07:32 PM
by ExtremeLawncareServices
4 456
These are the days on...
ExtremeLawncareServices
03-22-2014 10:12 AM
Yesterday 07:22 PM
by ExtremeLawncareServices
178 14,316
Hello from Kentucky
TRV
09-30-2014 06:42 PM
Yesterday 07:16 PM
by ExtremeLawncareServices
10 1,415
Pics for website
tbtigers03
11-21-2014 05:40 PM
Yesterday 12:12 PM
by Just for Cuts
5 256
Hi from IL
steveinil
11-25-2014 02:07 PM
Yesterday 11:21 AM
by Steve
1 84
WNY saying Hi.
Sargewesser
11-25-2014 07:27 AM
Yesterday 11:20 AM
by Steve
1 86
How to: Use Thumbtack...
acrajchel
11-17-2014 06:39 PM
Yesterday 11:19 AM
by Steve
18 666
Peco Bagger
AGPS
11-18-2014 02:20 PM
Yesterday 10:58 AM
by Steve
10 412
Beginner Mistakes:...
Steve
01-31-2007 12:45 PM
Yesterday 10:57 AM
by Steve
22 6,310
Billboards for marketing
ExtremeLawncareServices
11-16-2014 08:39 PM
Yesterday 10:40 AM
by Steve
14 475
How much do you up sell...
Essex Groundskeeping
11-23-2014 07:13 PM
11-24-2014 06:29 PM
by stevef1201
8 236
This sucks...
Matther777
09-18-2014 05:56 PM
11-24-2014 05:49 PM
by biglee
16 3,280
Pressure Washing...
WesleySnips
07-31-2014 07:13 PM
11-24-2014 04:32 PM
by acrajchel
4 707
New website
Chilehead
11-20-2014 04:39 PM
11-23-2014 07:40 PM
by Just for Cuts
12 369
My site is on fronts page
tbtigers03
11-14-2014 05:58 PM
11-22-2014 10:49 PM
by Just for Cuts
16 595
Belt dealer problem
googus
11-21-2014 08:45 AM
11-21-2014 06:36 PM
by Steve
2 199
What is going on with...
biglee
11-14-2014 03:04 PM
11-20-2014 02:50 PM
by biglee
40 1,053
My advice for new guys
avetslawncare
11-15-2014 09:32 AM
11-19-2014 01:47 PM
by biglee
10 597
Lawn Care business...
crieg122
10-23-2014 02:23 PM
11-19-2014 12:39 PM
by acrajchel
28 1,968
raking leaves ?
robert8509
10-22-2014 10:19 PM
11-18-2014 04:24 PM
by acrajchel
14 1,542
Leaf removal
madmedic8575
10-24-2014 05:14 PM
11-17-2014 07:34 PM
by acrajchel
6 1,277
sod job
SGlawncare
10-30-2014 09:21 PM
11-17-2014 07:10 PM
by acrajchel
7 862
Customer wants me to...
Mr. Mow
11-09-2014 07:13 AM
11-17-2014 06:48 PM
by acrajchel
10 638
Hello!
Brian3137
11-11-2014 07:15 PM
11-17-2014 06:46 PM
by acrajchel
14 560
small biz in Phoenix,AZ
anthonyramos1
11-08-2014 09:35 PM
11-17-2014 05:59 PM
by acrajchel
2 396
Client won't pay...
WesleySnips
10-30-2014 03:53 PM
11-17-2014 05:37 PM
by acrajchel
22 1,480
Government contracts
avetslawncare
11-15-2014 08:50 AM
11-17-2014 12:59 PM
by Steve
2 337
Need help on deciding a...
Brian3137
11-10-2014 06:32 PM
11-17-2014 12:44 PM
by Steve
12 606
West cost lawn prices
SGlawncare
10-09-2014 10:51 PM
11-16-2014 07:54 AM
by stevef1201
8 1,690
So how do you guys...
Mr. Mow
10-26-2014 08:55 AM
11-15-2014 08:44 AM
by avetslawncare
14 1,812
Truck, Trailer,...
hawthornelawncare
12-23-2011 01:01 AM
11-13-2014 08:35 AM
by jrs.landscaping
81 31,998
The most dangerous part...
Steve
10-06-2014 03:45 PM
11-12-2014 05:05 PM
by stevef1201
14 1,783
A little hang up in snow...
stevef1201
11-08-2014 07:05 AM
11-12-2014 12:51 PM
by Steve
4 520
Bi-weekly winter...
lxarth
11-04-2014 08:37 PM
11-12-2014 10:06 AM
by WesleySnips
9 726
taking first steps...
sizemorelawncare
11-10-2014 08:24 PM
11-11-2014 01:21 PM
by Steve
1 411
Back Pack Blower
Ian Lovejoy
11-09-2014 08:41 AM
11-11-2014 08:12 AM
by Just for Cuts
4 472
Business Cards
crieg122
10-25-2014 01:03 PM
11-11-2014 07:56 AM
by Just for Cuts
12 1,427
How the unregister?
alive101
11-04-2014 07:39 AM
11-10-2014 01:48 PM
by Steve
4 686
Belt adjustment question
googus
11-05-2014 06:43 AM
11-10-2014 01:38 PM
by Steve
5 589
Podcast
Shark1611
11-07-2014 05:42 PM
11-10-2014 11:41 AM
by Steve
1 384
hi, from Minnesota
rjklohn
11-07-2014 02:21 AM
11-07-2014 01:44 PM
by Steve
1 403
New to snow plowing
SS.Lawncare
11-05-2014 04:00 PM
11-07-2014 01:21 PM
by Steve
6 668
New Member
tonyap
11-05-2014 10:35 PM
11-07-2014 01:15 PM
by Steve
1 447
» Popular Tags
4wd aerocore apartment bid apartment lawn care estimate applying bid billy goat brushcutter blades bush charge christmas deliquentaccounts ditches employee problems equipment rental estimate ferris first truck foreman georgia gopherhaul growing a lawn care business hiring how much to charge how to how to bid husqvarna hydraulic installation introduction 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 marketing mechanic monthly mulch mulch price new business new mower ordinance per hour charge podcast profit on employee reo running a business savannah scag v-ride search engine optimization shreaded snow plowing starting a business start up lawn care business steep lawns stihl toro trailer truck new used landscape walk behind walker won't return wood wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 05:50 PM.


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

All times are GMT -5. The time now is 05:50 PM.

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