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, 09:46 AM
Hlngresh Hlngresh is offline
Junior Member
 
Join Date: Feb 2013
Posts: 4
Rep Power: 3
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, 10:01 AM
stevef1201 stevef1201 is offline
Senior Member
 
Join Date: Apr 2010
Location: Central Florida
Posts: 1,236
Rep Power: 7
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, 10:54 AM
Hlngresh Hlngresh is offline
Junior Member
 
Join Date: Feb 2013
Posts: 4
Rep Power: 3
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, 11:39 AM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 37,283
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, 02:41 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: 4
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, 04:24 PM
Greg'slawnandlandscape Greg'slawnandlandscape is offline
Senior Member
 
Join Date: Jan 2013
Location: Jacksonville north Carolina
Posts: 398
Rep Power: 3
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, 04:44 PM
Billy Goat's Avatar
Billy Goat Billy Goat is offline
Senior Member
 
Join Date: Nov 2012
Posts: 185
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, 05:16 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, 05:06 AM
Billy Goat's Avatar
Billy Goat Billy Goat is offline
Senior Member
 
Join Date: Nov 2012
Posts: 185
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, 07:10 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 03:14 PM
Insurance? Golftrick17 Starting a lawn care business. 8 03-15-2011 05:09 AM
Insurance DillonB92 Starting a lawn care business. 13 08-05-2010 10:12 PM
insurance kkkkkkk Community Assistance 5 04-15-2010 11:27 AM
Insurance Steve General Talk 5 02-15-2007 10:30 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
I have ZERO confidence...
Just for Cuts
05-01-2015 04:24 PM
Today 04:30 PM
by Just for Cuts
22 432
Mower Advice
tl757
Today 02:31 PM
Today 04:24 PM
by Just for Cuts
1 31
I'm Back With The Best...
aduttonater
02-21-2015 12:41 AM
Today 03:57 PM
by jrs.landscaping
78 3,193
Big (to me) mulch job
tl757
04-23-2015 05:32 PM
Today 02:10 PM
by tl757
17 779
Anyone need help? I have...
biglee
Today 12:22 PM
Today 12:22 PM
by biglee
0 26
Home today...Still...
biglee
Today 11:59 AM
Today 11:59 AM
by biglee
0 25
color fliers?
holymoly
04-18-2015 02:32 PM
Today 11:40 AM
by biglee
15 597
What a JERK!
Chilehead
Today 08:13 AM
Today 11:33 AM
by biglee
1 51
Hello
SallyBorowicz
Today 11:14 AM
Today 11:14 AM
by SallyBorowicz
0 23
Looking good
mrsmichigan
Today 09:47 AM
Today 09:47 AM
by mrsmichigan
0 22
What are your biggest...
Steve
Yesterday 01:24 PM
Yesterday 09:54 PM
by Chilehead
1 62
Go daddy web site and...
jcurr33
05-04-2015 06:00 PM
Yesterday 11:57 AM
by Steve
2 84
How busy are you now?
Steve
05-04-2015 01:10 PM
Yesterday 11:47 AM
by Steve
4 116
Pictures of commercial...
avetslawncare
04-01-2015 09:47 PM
Yesterday 11:45 AM
by Steve
35 1,383
mowfinder
scaypa
04-27-2015 05:44 PM
05-04-2015 01:14 PM
by Steve
1 163
Latest video, Facebook...
Sprinkler Buddy
05-01-2015 06:54 AM
05-04-2015 01:09 PM
by Steve
3 142
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
05-04-2015 01:03 PM
by Steve
72 5,856
weed
avetslawncare
04-16-2015 07:56 PM
05-01-2015 11:38 AM
by Steve
8 495
so i need somehelp with...
dalvan0
04-28-2015 07:43 PM
04-30-2015 10:55 PM
by avetslawncare
3 363
Anyone have a Lawn Care...
nishirandall
04-28-2015 08:45 PM
04-30-2015 12:00 AM
by Steve
1 180
mowing pic
joshlawncare
04-25-2015 12:34 PM
04-29-2015 10:55 PM
by Steve
5 284
Help with a truck
bdodson89
04-27-2015 08:15 PM
04-29-2015 10:47 PM
by Steve
4 217
Ford F250 Wheel loaders...
jrs.landscaping
04-28-2015 05:34 AM
04-29-2015 07:47 AM
by jrs.landscaping
2 165
New company in Michigan
SEM
04-24-2015 09:27 PM
04-28-2015 11:56 AM
by Steve
6 249
Correct me if I'm wrong...
SGL1
04-26-2015 02:41 PM
04-28-2015 06:57 AM
by SGL1
12 304
Total yard rehab
SGL1
04-23-2015 03:59 PM
04-27-2015 06:57 PM
by SGL1
11 393
equipment marketplace?
jrs.landscaping
04-27-2015 04:49 PM
04-27-2015 06:09 PM
by jrs.landscaping
2 157
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
4 271
what's the big deal...
Tony317
04-25-2015 02:19 PM
04-27-2015 05:43 PM
by Steve
3 209
Newb Question - Multiple...
DependiLawn
04-24-2015 11:36 PM
04-27-2015 05:36 PM
by Steve
1 201
maintandlawndispatch...
SGL1
04-21-2015 03:31 PM
04-24-2015 04:42 PM
by Steve
9 354
Thoughts on Undocumented...
element009
09-25-2011 11:08 AM
04-23-2015 09:32 PM
by Chilehead
56 15,772
Hello Everyone
DesignsByBnC
04-22-2015 04:07 PM
04-23-2015 02:19 PM
by DesignsByBnC
2 227
The upcoming rainy...
5StarLawnscaping
04-21-2015 01:22 PM
04-23-2015 12:54 PM
by Steve
7 320
WARNING! Especially to...
SC93
04-19-2015 12:05 PM
04-22-2015 01:39 PM
by Steve
14 629
Could be great news for...
SC93
04-14-2015 11:06 PM
04-22-2015 01:28 PM
by Steve
15 681
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 4,152
Smoked my first belt!
SGL1
04-20-2015 08:46 PM
04-21-2015 03:28 PM
by SGL1
4 290
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
4 625
Poll & Discussion...
CHEESE2009
09-16-2011 06:16 PM
04-20-2015 08:20 PM
by avetslawncare
27 5,825
Aerating / Dethaching...
Hard-Body lawn & garden
04-12-2015 07:53 PM
04-19-2015 08:49 PM
by Chilehead
17 837
Start LIKING FACEBOOK...
rlclawncare123
02-26-2015 12:06 AM
04-19-2015 09:21 AM
by KJ90
8 1,166
bidding a cemetery....
NPM_LLC
03-28-2015 10:56 AM
04-19-2015 05:26 AM
by RSE
22 1,228
Hustler Raptor
SGL1
04-13-2015 09:27 PM
04-18-2015 07:53 AM
by SGL1
15 663
is craiglist good to...
JBENI
04-16-2015 11:11 AM
04-17-2015 10:25 PM
by Wolf4dk
11 637
Am I missing something...
googus
04-11-2015 06:33 PM
04-17-2015 08:01 PM
by avetslawncare
10 716
Hello
sonny54
04-16-2015 09:49 PM
04-17-2015 03:10 PM
by Steve
1 323
» Popular Tags
ad landscaping apartment complex apartment lawn care estimate applying bark blades bob villa collections commercial contract help curb appeal services demonstration design door hangers edging employee problems equipment rental facebook ferris flyers free advertising grass growing a lawn care business hardscapes hills hiring how to hydraulic landscape services lawn aeration lawn care lawn care busines plan lawn mowing managing a lawn care business marketing marketing secrets mr dave new business new mower ordinance past due patio install per hour charge profit on employee push versus ride running a business scag v-ride scripts secrets to landscaping seo shreaded small engine repair snow plowing sq ft square foot sulky toro tractor auger trailer mate pro tree trimmer rack truck new used landscape web design website website design winterization won't return wood wright stander rh www.greenturion.co.za
Powered by vBadvanced CMPS v3.1.0

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


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

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

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