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.

Commercial INS


General Talk

If it doesn't fit anywhere else, post it here.
Reply
 
Thread Tools Search this Thread
  #1  
Old 10-11-2007, 01:00 PM
pnplawn
Guest
 
Posts: n/a
Default

Honestly how many of you are Licensed and Insured ? And if you who did you get your INS through? What kinda coverage do you have?


Yes I am, I got my INS through Alstate


General Aggregate $2,000,000
Personal & Completed Operations Aggregate $1,000,000
Personal & Advertising Injury $1,000,000
Each Occurrence 1,000,000
Damage to Premisses Rented To Me. $50,000
Medical Expense for any one person $5,000
Deductible is $500.00 I wanted a lower one but they do not offer anything less then $500.00


Total Cost Of Policy was 832.89 Per Year.



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 10-11-2007, 03:04 PM
pmblair
Guest
 
Posts: n/a
Default

Lawn care business tipsLawn Care Business Book
I'm licensed... well, that is to say, I have my business license. I still have to get a contractor's license and an applicator's license before I can use any chemicals (pesticides, weed control spray, fertilizer, etc). ...and before I do that, I have to be insured... but we're working on that.

Next steps:
1. Get CUSTOMERS (other than chemical)
2. Get insurance
3. Get MORE cusomers
4. Get contractor's license
5. Get MORE CUSTOMERS
6. Take pest test
7. Get MORE CUSTOMERS
8. Get applicator's license
9. GET MORE CUSTOMERS
10. GET BETTER EQUIPMENT... THEN MORE CUSTOMERS!!!

Sound good?
Reply With Quote
  #3  
Old 10-11-2007, 06:51 PM
pnplawn
Guest
 
Posts: n/a
Default

Most commercial accounts will require you to have insurance. I suggest you get it soon as you can. I look it this way. What happens if you your mower throws a rock through plat glass window? Every seen the cost to replace set of double pain sliding glass doors? That can get into thousands of dollars. If you ever want to do any biding on city or county contracts they require you to have insurance also. Just my thoughts..

Rodman
Reply With Quote
  #4  
Old 10-11-2007, 09:19 PM
Clean Lawn Clean Lawn is offline
Members
 
Join Date: Jul 2007
Posts: 124
Rep Power: 8
Clean Lawn
Default

I am only a few months old in this business but would you all really say its necessary to have liability insurance if I am only servicing residential properties. I did a bid for Merchants when they asked but I didn't really expect to get it, since I had no idea how to bid for commercial properties.
Second, is applicator license required to lay down fertilizer or is based on law from state to state?
Last what exactly does the contractor license necessary for? Does it deal more with landscaping or some degree of landscaping?
Reply With Quote
  #5  
Old 10-11-2007, 09:33 PM
Little's's Avatar
Little's Little's is offline
Brandon
 
Join Date: Jun 2007
Location: Shasta Lake CA.
Posts: 814
Rep Power: 8
Little's is on a distinguished road
Default

Quote:
Originally Posted by [b
Quote[/b] (Clean Lawn @ Oct. 11 2007,7:19)]Last what exactly does the contractor license necessary for? Does it deal more with landscaping or some degree of landscaping?
In California, you have to have a contractors lic. if you do any job that totals $500 or more in materials and labor. If you do a big job and dont have a CL, you can get in a lot of trouble. They do lic. stings all the time.
I remember one time when I was a kid my dad was called to put in a bid at a home. After he wrote up the bid several men came out of the back room and asked him for his contractors license. He was the only one that day who actually had one. In the newspaper the next day there was an article that said the state had busted over 20 people for operating without one. Be Careful!
__________________
Northern California
Reply With Quote
  #6  
Old 10-11-2007, 10:13 PM
pnplawn
Guest
 
Posts: n/a
Default

Quote:
Originally Posted by [b
Quote[/b] (Clean Lawn @ Oct. 11 2007,10:19)]I am only a few months old in this business but would you all really say its necessary to have liability insurance if I am only servicing residential properties.
Let me ask you this. Are you ready to pay out your pocket? lets say you hit out side water tap. Hanging on the home outside the house. Hit it with your mower tire.And you did not even notice that you hit it. Home owner come home finds the house flooded. Now with out insurance how much do you think that would cost you out your pocket? Better be safe then sorry.
Reply With Quote
  #7  
Old 10-11-2007, 11:37 PM
Clean Lawn Clean Lawn is offline
Members
 
Join Date: Jul 2007
Posts: 124
Rep Power: 8
Clean Lawn
Default

I will have to check in Virginia if we need a contractor license then. My neighbor who also owns a lawn care business would know for sure but definately worth having if that is the case. OUCHIES
Yes, I understand anything can happen at any time. I've been on the other end of the stick when one of those you never think it can happen things and it does happen. I believe my neighbor said liability insurance runs about $90.00 per month and that is 1 mil coverage but I will ask my husband which liability insurance he uses with the restaurant and most likely go with them.
Now that the subject has come up regarding the insurance for commercial I am curious how does a new business like myself find out about various commercial bidding contracts? I know several folks on here are veterans and have written their own "how to with lawn care business" books but I don't want someone to point me to a book and I spend money on it and still end up with a million questions. If you guys know what I mean.



Reply With Quote
  #8  
Old 10-11-2007, 11:55 PM
pnplawn
Guest
 
Posts: n/a
Default

what county do you live in? what are the local citys near you?
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

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Lawn Care business...
crieg122
10-23-2014 01:23 PM
Today 08:06 PM
by Matther777
7 281
Leaf removal
madmedic8575
Yesterday 04:14 PM
Today 08:02 PM
by Matther777
4 163
Business Cards
crieg122
Today 12:03 PM
Today 07:55 PM
by Matther777
2 73
raking leaves ?
robert8509
10-22-2014 09:19 PM
Today 12:09 PM
by biglee
10 351
Leaf Box & Loader Set...
ringahding1
10-21-2014 06:20 AM
Today 11:46 AM
by crieg122
6 353
Gie-review / What's new...
ExtremeLawncareServices
Today 09:19 AM
Today 09:19 AM
by ExtremeLawncareServices
0 61
Dealing With Gas Can...
Mr. Mow
10-21-2014 01:41 PM
Today 08:37 AM
by Dan Tanner
10 406
My Newest Toy (B.P....
Dan Tanner
10-23-2014 05:50 PM
Today 05:06 AM
by Dan Tanner
2 189
hey everyone
robert8509
10-22-2014 08:16 PM
Yesterday 11:07 PM
by robert8509
7 273
new to the forum
madmedic8575
Yesterday 02:52 PM
Yesterday 02:52 PM
by madmedic8575
0 98
Pressure Washing Like a...
TNTurf
08-01-2014 11:47 PM
Yesterday 01:00 PM
by Steve
11 948
12 Years in Business!
Chilehead
10-23-2014 08:07 AM
10-23-2014 11:08 PM
by Chilehead
2 192
Cheapskate Landlord...
Mr. Mow
10-20-2014 06:33 AM
10-23-2014 05:55 PM
by biglee
13 505
Hi from SoCal
Jmoney
10-23-2014 11:29 AM
10-23-2014 12:51 PM
by Steve
1 160
Workmans compensation...
CDLAWNCARE
10-15-2014 08:05 AM
10-23-2014 12:33 PM
by Steve
5 617
Pda
stevef1201
10-18-2014 02:05 PM
10-23-2014 06:12 AM
by ringahding1
4 441
Hello, from TEXAS
sanchez5
10-17-2014 09:56 PM
10-22-2014 01:27 PM
by Steve
6 513
Organic Lawn Care...
NHray
10-17-2014 06:05 PM
10-22-2014 01:23 PM
by Steve
3 486
Hi Steve From West...
Mr. Mow
10-21-2014 01:59 PM
10-22-2014 01:19 PM
by Steve
1 258
Help a brother...
tbtigers03
09-28-2014 11:41 AM
10-22-2014 08:51 AM
by ringahding1
12 1,627
first year update
cmdlawncare
08-12-2014 05:41 PM
10-22-2014 07:47 AM
by ringahding1
4 1,459
What parts do you carry...
Just for Cuts
10-17-2014 09:08 AM
10-21-2014 01:36 PM
by Mr. Mow
16 763
Jungle to Beautiful
stevef1201
10-17-2014 09:54 AM
10-21-2014 01:26 PM
by stevef1201
11 616
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
10-21-2014 01:19 PM
by ExtremeLawncareServices
158 11,568
Sunny Beach Tennis...
SGL1
10-19-2014 11:24 PM
10-21-2014 01:04 PM
by SGL1
4 362
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
10-20-2014 08:34 PM
by biglee
10 1,935
Look out Bob Villa -...
Mr Dave
09-30-2014 10:06 AM
10-20-2014 05:42 PM
by SGL1
7 1,421
how to fi d commercial...
mchampion319
10-19-2014 09:50 PM
10-20-2014 04:41 PM
by Steve
1 327
Hello From Tennessee
mrmann901
10-17-2014 10:02 PM
10-20-2014 04:24 PM
by Steve
1 392
questions on order to...
jack2048
10-13-2014 11:15 AM
10-20-2014 03:27 PM
by Mr. Mow
15 852
This sucks...
Matther777
09-18-2014 04:56 PM
10-20-2014 02:14 PM
by Steve
14 2,323
Cement mixer
KevinsLawns
10-15-2014 08:03 PM
10-20-2014 02:11 PM
by Steve
7 590
Hello ! New guy Rob here
RWorthley1
10-17-2014 04:05 PM
10-20-2014 02:09 PM
by Steve
1 432
Snow Blowing
gwilson98
10-12-2014 02:21 PM
10-17-2014 02:51 PM
by Steve
6 770
Spreading Weeds?
WesleySnips
07-27-2014 09:46 PM
10-17-2014 07:49 AM
by SGL1
6 1,076
Grasswhoopins.com Anyone...
GRASS WHOOPINS
06-21-2011 11:38 PM
10-16-2014 01:30 PM
by ExtremeLawncareServices
42 9,458
I Want to buy old...
ExtremeLawncareServices
10-10-2014 10:04 PM
10-15-2014 09:12 PM
by ExtremeLawncareServices
6 790
Say Hello !!!
Steve
03-19-2007 11:18 AM
10-15-2014 06:43 PM
by NHray
1,190 340,494
Do you find weed eating...
chuck2s
10-15-2014 02:10 PM
10-15-2014 02:10 PM
by chuck2s
0 515
Incorporating &...
WesleySnips
10-01-2014 09:39 PM
10-15-2014 01:37 PM
by kslawn
20 1,619
Falling into business
stellarmowing
09-28-2014 04:35 PM
10-15-2014 05:57 AM
by ringahding1
8 1,619
Apartment Complex and...
lxarth
06-22-2011 01:10 PM
10-14-2014 06:25 PM
by jrs.landscaping
42 9,730
I LOVE hedge trimming
stevef1201
10-13-2014 09:05 AM
10-14-2014 01:06 PM
by Steve
5 645
Help with seeder...
ExtremeLawncareServices
10-09-2014 07:39 AM
10-13-2014 08:09 PM
by ExtremeLawncareServices
5 806
The Market watch
WesleySnips
10-12-2014 08:47 PM
10-13-2014 05:40 PM
by SGL1
3 652
Help pricing a large...
Bradcook21
10-07-2014 06:49 AM
10-13-2014 02:00 PM
by Steve
7 1,002
leaf removal
Double J LLC
10-03-2014 04:24 PM
10-13-2014 06:46 AM
by Billy Goat
19 1,656
Acerage Rake
acrajchel
04-23-2014 07:23 PM
10-12-2014 10:53 PM
by SGL1
2 968
John Deere z235 Deck
WesleySnips
09-29-2014 06:02 PM
10-12-2014 06:20 PM
by kslawn
25 1,786
Credit card contract
SGL1
10-06-2014 05:31 PM
10-12-2014 03:40 PM
by SGL1
18 1,192
» Popular Tags
2wd 4x4 aerocore auger billy goat brushcutter bush care charge deliquentaccounts equipment rental exmark ferris foreman four wheel drive fundraiser gopherhaul grass gravely growing a lawn care business hills holiday how much to charge how to bid husqvarna john deere quik trac kawasaki labor cost landscape services lawn lawn care lawn care business lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website lighting lighting brass outdoor lights marketing mr dave mulch mulch estimate new buisness ordinance podcast promotion property management company pto redmax scag scripts search engine optimization seo shreaded small engine repair sprayer starting a business starting a lawn care business stihl sulky theft top dresser toro toro grand stand trailer trimmer rack turfgrass consulting walk behind walker wood
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 11:09 PM.


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

All times are GMT -5. The time now is 11:09 PM.

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