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 > Business > General Business Discussions

General Business Discussions A place to talk about general business discussions.

Liability


General Business Discussions

A place to talk about general business discussions.
Reply
 
Thread Tools Search this Thread
  #1  
Old 08-21-2008, 10:45 PM
choicelandscapes choicelandscapes is offline
Members
 
Join Date: Jan 2008
Location: Birmingham AL
Posts: 22
Rep Power: 7
choicelandscapes
Default Liability

Hey guys,

I have been shopping around for liability and wokers comp. I was a school teacher doing this on the side and my business grew to a point that I was better off landscaping full time. So I need to be covered so someone doesnt try to take me. I got some quotes and I got my cheapest quote for 2 million in coverage for 775. Is this good or do i need to shop? I also got inland marine for 425. and workers comp for 750 (thats workers comp is ball park I cant remeber the exact figure). Thanks for the help in advance.

Steve I saw the article where you quoted me. Thanks bud!



Tom Warren

Choice Landscapes
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 08-22-2008, 05:55 AM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 36,603
Rep Power: 10
Steve has disabled reputation
Default

Lawn care business tipsLawn Care Business Book
Hi Tom,

You are welcome

Check out this post if no one else responds. It's got a couple of figures in it.

http://www.gopherforum.com/showthread.php?t=7262
__________________
- 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
  #3  
Old 08-25-2008, 11:27 AM
Totally Green Totally Green is offline
Gary
 
Join Date: Jun 2008
Location: Northwest Louisiana
Posts: 90
Rep Power: 7
Totally Green
Default

Quote:
Originally Posted by choicelandscapes View Post
Hey guys,

I have been shopping around for liability and wokers comp. I was a school teacher doing this on the side and my business grew to a point that I was better off landscaping full time. So I need to be covered so someone doesnt try to take me. I got some quotes and I got my cheapest quote for 2 million in coverage for 775. Is this good or do i need to shop? I also got inland marine for 425. and workers comp for 750 (thats workers comp is ball park I cant remeber the exact figure). Thanks for the help in advance.

Steve I saw the article where you quoted me. Thanks bud!



Tom Warren

Choice Landscapes
I just got 300,000 liability for 550 a year. Maybe I'm the one that got taken. Worker's comp was quoted at about $4000 per year for three full time and one part time employee.
__________________
Totally Green Lawn Care, LLC
http://www.totallygreenlc.com
Reply With Quote
  #4  
Old 08-26-2008, 01:14 AM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 36,603
Rep Power: 10
Steve has disabled reputation
Default

What was the deciding factor on the liability amount of $300,000?
__________________
- 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 09-04-2008, 09:07 PM
realhuntin
Guest
 
Posts: n/a
Default

That is a good quote you should take it. It is about what I pay all around but I think the inland was included in the GL. the WC was quoted using 100k in annual salaries total at the same amount of 775.
Reply With Quote
  #6  
Old 09-07-2008, 07:18 PM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 7
cklandscapingorlando is on a distinguished road
Default

I've got 1 mill. liability,1 mill. on the truck,2 mill. ballon for 350 a month.Workers comp was 10 bucks for every 100 you pay
Reply With Quote
  #7  
Old 09-12-2008, 10:37 PM
tedfrk
Guest
 
Posts: n/a
Default

at least you where able to get a quote i called 4 different places and nobody calls me back even when i call them 2 or 3 times.the one guy said 1 million coverage would be a 1000 a year.but when i called they wanted to know how long i have been in business,i said i am just starting out and she told me that is why the price is going to be higher so should i lie and say i have been in business for a certain number of years ?please help
Reply With Quote
  #8  
Old 09-13-2008, 05:58 AM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 7
cklandscapingorlando is on a distinguished road
Default

You can lie but when you file a claim they can say your not conered becuase you faulseafied the documents.Mine is through Huckleberry,sibley,and harvey.But Its auto-owners insurance is the billing name so its probly the underwritter
Reply With Quote
  #9  
Old 09-13-2008, 05:59 AM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 7
cklandscapingorlando is on a distinguished road
Default

Also if I would have paid cash they would have droped 1/3 of the total cost
Reply With Quote
  #10  
Old 09-13-2008, 06:53 AM
Steve's Avatar
Steve Steve is offline
Administrator
 
Join Date: May 2003
Posts: 36,603
Rep Power: 10
Steve has disabled reputation
Default

Quote:
Also if I would have paid cash they would have dropped 1/3 of the total cost
That is fascinating! Did they tell you about this? Was it a pre-pay offer for the year?

It could work out great if you had to make your payment at your peak mowing season, when you had the most cash on hand.
__________________
- 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
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
Liability Insurance Audit? musician/lawnman General Talk 11 07-09-2008 07:38 PM
Business Liability Insurance ABurlison General Business Discussions 22 12-10-2007 10:30 PM
Forming a Limited Liability Company (LLC) mowboy General Business Discussions 0 11-04-2005 07:33 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
How much do you up sell...
Essex Groundskeeping
Yesterday 07:13 PM
Today 01:41 PM
by jrs.landscaping
5 91
Hello from Kentucky
TRV
09-30-2014 06:42 PM
Today 08:37 AM
by acrajchel
7 1,286
leaf removal
Double J LLC
10-03-2014 05:24 PM
Yesterday 07:46 PM
by ExtremeLawncareServices
21 2,388
New website
Chilehead
11-20-2014 04:39 PM
Yesterday 07:40 PM
by Just for Cuts
12 256
This sucks...
Matther777
09-18-2014 05:56 PM
Yesterday 11:56 AM
by achri12
15 3,134
My site is on fronts page
tbtigers03
11-14-2014 05:58 PM
11-22-2014 10:49 PM
by Just for Cuts
16 504
Pics for website
tbtigers03
11-21-2014 05:40 PM
11-22-2014 10:01 PM
by Just for Cuts
3 135
Peco Bagger
AGPS
11-18-2014 02:20 PM
11-22-2014 05:56 PM
by AGPS
9 306
Beginner Mistakes:...
Steve
01-31-2007 12:45 PM
11-22-2014 02:42 PM
by stevef1201
22 6,148
These are the days on...
ExtremeLawncareServices
03-22-2014 10:12 AM
11-21-2014 09:48 PM
by ExtremeLawncareServices
174 14,027
Contract or no contract?
TRV
11-20-2014 09:18 PM
11-21-2014 09:33 PM
by TRV
3 162
Hi to you NOTHERNERS
stevef1201
11-11-2014 05:56 PM
11-21-2014 08:02 PM
by stevef1201
4 325
Billboards for marketing
ExtremeLawncareServices
11-16-2014 08:39 PM
11-21-2014 07:05 PM
by acrajchel
13 385
Belt dealer problem
googus
11-21-2014 08:45 AM
11-21-2014 06:36 PM
by Steve
2 117
Good help is hard to find
Hanks Lawn Care Services
11-19-2014 03:27 PM
11-21-2014 06:32 PM
by Steve
7 225
How to: Use Thumbtack...
acrajchel
11-17-2014 06:39 PM
11-21-2014 06:07 PM
by acrajchel
15 488
What is going on with...
biglee
11-14-2014 03:04 PM
11-20-2014 02:50 PM
by biglee
40 961
My advice for new guys
avetslawncare
11-15-2014 09:32 AM
11-19-2014 01:47 PM
by biglee
10 494
Lawn Care business...
crieg122
10-23-2014 02:23 PM
11-19-2014 12:39 PM
by acrajchel
28 1,856
raking leaves ?
robert8509
10-22-2014 10:19 PM
11-18-2014 04:24 PM
by acrajchel
14 1,451
Leaf removal
madmedic8575
10-24-2014 05:14 PM
11-17-2014 07:34 PM
by acrajchel
6 1,200
sod job
SGlawncare
10-30-2014 09:21 PM
11-17-2014 07:10 PM
by acrajchel
7 776
Customer wants me to...
Mr. Mow
11-09-2014 07:13 AM
11-17-2014 06:48 PM
by acrajchel
10 536
Hello!
Brian3137
11-11-2014 07:15 PM
11-17-2014 06:46 PM
by acrajchel
14 475
small biz in Phoenix,AZ
anthonyramos1
11-08-2014 09:35 PM
11-17-2014 05:59 PM
by acrajchel
2 328
Client won't pay...
WesleySnips
10-30-2014 03:53 PM
11-17-2014 05:37 PM
by acrajchel
22 1,379
Government contracts
avetslawncare
11-15-2014 08:50 AM
11-17-2014 12:59 PM
by Steve
2 259
Need help on deciding a...
Brian3137
11-10-2014 06:32 PM
11-17-2014 12:44 PM
by Steve
12 524
West cost lawn prices
SGlawncare
10-09-2014 10:51 PM
11-16-2014 07:54 AM
by stevef1201
8 1,603
So how do you guys...
Mr. Mow
10-26-2014 08:55 AM
11-15-2014 08:44 AM
by avetslawncare
14 1,719
Truck, Trailer,...
hawthornelawncare
12-23-2011 01:01 AM
11-13-2014 08:35 AM
by jrs.landscaping
81 31,842
The most dangerous part...
Steve
10-06-2014 03:45 PM
11-12-2014 05:05 PM
by stevef1201
14 1,691
A little hang up in snow...
stevef1201
11-08-2014 07:05 AM
11-12-2014 12:51 PM
by Steve
4 433
Bi-weekly winter...
lxarth
11-04-2014 08:37 PM
11-12-2014 10:06 AM
by WesleySnips
9 629
taking first steps...
sizemorelawncare
11-10-2014 08:24 PM
11-11-2014 01:21 PM
by Steve
1 333
Back Pack Blower
Ian Lovejoy
11-09-2014 08:41 AM
11-11-2014 08:12 AM
by Just for Cuts
4 387
Business Cards
crieg122
10-25-2014 01:03 PM
11-11-2014 07:56 AM
by Just for Cuts
12 1,338
How the unregister?
alive101
11-04-2014 07:39 AM
11-10-2014 01:48 PM
by Steve
4 618
Belt adjustment question
googus
11-05-2014 06:43 AM
11-10-2014 01:38 PM
by Steve
5 519
New parking area
ExtremeLawncareServices
11-07-2014 09:47 PM
11-10-2014 01:25 PM
by Steve
2 356
Podcast
Shark1611
11-07-2014 05:42 PM
11-10-2014 11:41 AM
by Steve
1 318
hi, from Minnesota
rjklohn
11-07-2014 02:21 AM
11-07-2014 01:44 PM
by Steve
1 336
New to snow plowing
SS.Lawncare
11-05-2014 04:00 PM
11-07-2014 01:21 PM
by Steve
6 572
New Member
tonyap
11-05-2014 10:35 PM
11-07-2014 01:15 PM
by Steve
1 375
New to the business
jcurr33
11-05-2014 03:21 PM
11-07-2014 01:11 PM
by Steve
1 431
Lines
Matther777
11-04-2014 02:19 PM
11-07-2014 12:54 PM
by Steve
1 465
hello, new to this site
tonyorwig
10-31-2014 10:49 PM
11-04-2014 02:24 PM
by tonyorwig
3 655
Aloha from Hawaii.
Gary R
11-02-2014 12:44 AM
11-03-2014 03:02 PM
by Steve
1 566
Pavers
crieg122
10-28-2014 03:49 PM
10-31-2014 01:49 PM
by Steve
6 865
Hi Steve From West...
Mr. Mow
10-21-2014 02:59 PM
10-31-2014 12:56 PM
by Steve
5 1,203
» Popular Tags
4x4 apartment bid apartment lawn care estimate applying article marketing auger bid blades bob villa bush care charge commercial decorating deliquentaccounts demonstration ditches employee problems estimate exmark ferris four wheel drive gopherhaul gravely growing a lawn care business hiring how much to charge how to how to bid installation introduction john deere quik trac landscape services lawn lawn care lawn care busines plan lawn care business lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website mechanic mulch new buisness new mower patio install per hour charge podcast profit on employee pto reo running a business scag search engine optimization seo shell snow snow plowing sprayer starting a business steep lawns steve stihl toro toro grand stand trailer mate pro tree turfgrass consulting walker
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 04:16 PM.


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

All times are GMT -5. The time now is 04:16 PM.

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