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, 09:45 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, 04:55 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,218
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, 10:27 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, 12:14 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,218
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, 08:07 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, 06:18 PM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 6
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, 09:37 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, 04:58 AM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 6
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, 04:59 AM
cklandscapingorlando cklandscapingorlando is offline
Senior Member
 
Join Date: Aug 2008
Posts: 198
Rep Power: 6
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, 05:53 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,218
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 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
Mow and leaf cleanup bid
SGL1
07-29-2014 07:28 PM
Today 04:03 PM
by SGL1
19 247
trimming back shrubs
WesleySnips
Today 06:14 AM
Today 01:08 PM
by WesleySnips
3 56
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Today 12:51 PM
by Steve
85 4,835
Late charge
Simon Abousaada
Yesterday 07:23 PM
Today 12:41 PM
by Steve
2 65
Building credit
Matther777
07-27-2014 05:20 PM
Today 12:36 PM
by Steve
12 266
Need input on a bid
phlawncare
07-28-2014 08:51 PM
Today 05:08 AM
by kslawn
7 205
New from Texas
Livingston Lawn Care
07-25-2014 11:17 AM
Yesterday 01:03 PM
by Steve
5 213
Single tree, mow customer
WesleySnips
06-27-2014 10:12 AM
Yesterday 12:31 PM
by Steve
17 743
Formulas Used
BaileynSamsMum
07-29-2014 06:40 AM
Yesterday 12:19 PM
by Steve
3 143
Spreading Weeds?
WesleySnips
07-27-2014 09:46 PM
Yesterday 06:29 AM
by kslawn
5 182
Will summer ever come
ExtremeLawncareServices
07-29-2014 08:27 AM
07-29-2014 08:29 PM
by SGL1
5 140
From Concord NC
SouthernRootsLawnCare
07-26-2014 02:34 PM
07-29-2014 02:28 PM
by Steve
3 140
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
07-29-2014 02:28 PM
by Steve
4 197
Echo Edger 'Neutral'
WesleySnips
07-25-2014 05:28 PM
07-29-2014 02:25 PM
by Steve
4 198
Left handed edging with...
SGL1
07-23-2014 08:59 PM
07-28-2014 07:39 AM
by SGL1
15 384
Echo PE 266 edger
stevef1201
07-01-2014 01:28 PM
07-27-2014 10:14 PM
by WesleySnips
5 391
Texas lawn care company...
Livingston Lawn Care
07-25-2014 11:29 AM
07-27-2014 08:16 AM
by Just for Cuts
7 231
need some help geting...
dalvan0
07-13-2014 09:28 PM
07-26-2014 04:39 PM
by BLC7
7 381
new trailer help
mattthelawnguy
07-11-2014 08:21 PM
07-25-2014 06:31 PM
by mattthelawnguy
13 576
You know it;s gonna be a...
stevef1201
07-25-2014 08:50 AM
07-25-2014 01:34 PM
by Steve
1 140
Customer letters
kslawn
07-23-2014 06:17 AM
07-25-2014 01:20 PM
by Steve
5 269
Got my first lawn job...
SGL1
06-11-2014 09:19 PM
07-24-2014 07:09 PM
by SGL1
29 1,352
Need help determining...
Jbss861
07-20-2014 02:33 PM
07-24-2014 01:11 PM
by Steve
13 455
Should I ?
googus
07-22-2014 04:06 PM
07-24-2014 12:10 PM
by Steve
4 292
My First Apartment...
SSLCtn
05-26-2014 10:17 PM
07-24-2014 06:46 AM
by kslawn
15 973
Crop Rotation Techniques...
eastsidelandcare
07-17-2014 03:47 PM
07-24-2014 06:38 AM
by kslawn
3 269
Selling lawns like...
eastsidelandcare
07-17-2014 03:51 PM
07-24-2014 06:28 AM
by kslawn
3 328
Scag new "Eliminator"......
ExtremeLawncareServices
07-20-2014 10:45 AM
07-23-2014 05:37 PM
by Just for Cuts
9 386
need professional advice...
Fiddlers_green
07-20-2014 07:21 PM
07-23-2014 12:42 PM
by Steve
3 270
new to me box truck
jrayb39667
03-06-2014 10:20 PM
07-23-2014 12:40 PM
by Steve
15 1,499
Lawn Service back in...
LawnCareMan280
07-18-2014 09:00 PM
07-23-2014 11:48 AM
by Steve
4 299
Overspray?
stevef1201
07-21-2014 04:20 PM
07-23-2014 11:39 AM
by Steve
3 209
Hello Everyone! Newbie...
SLKlawn
07-17-2014 06:22 PM
07-22-2014 01:53 PM
by Steve
6 352
Proper height for lawn
rob lederhilger
05-26-2014 08:01 AM
07-21-2014 02:53 PM
by LawnDoctor
9 719
Blade sharpener
Just for Cuts
07-04-2014 12:31 PM
07-21-2014 01:48 PM
by Steve
9 584
What's my business worth?
Chaz
07-16-2014 01:35 PM
07-21-2014 01:45 PM
by Steve
4 363
1.5 Acre Jungle
WesleySnips
07-15-2014 05:57 PM
07-20-2014 11:31 AM
by ExtremeLawncareServices
21 713
Gopher schedule software
Ray
07-18-2014 04:13 PM
07-18-2014 04:13 PM
by Ray
0 260
2006 Chevy fuel pump...
KevinsLawns
07-17-2014 08:39 PM
07-18-2014 11:51 AM
by Steve
1 249
Halfway point of year!
Steve
07-01-2014 12:08 PM
07-18-2014 11:38 AM
by Steve
14 816
I got told to leave and...
gwilson98
06-16-2014 02:07 PM
07-17-2014 11:43 AM
by Steve
16 1,132
Hey guys this is the...
prmenter@gmail.com
07-07-2014 08:23 PM
07-16-2014 08:10 PM
by ExtremeLawncareServices
28 869
Mowing the hills
prmenter@gmail.com
07-08-2014 12:22 PM
07-16-2014 05:00 PM
by Just for Cuts
18 788
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-15-2014 05:38 PM
by icon2000
1,184 321,882
Classified Ad Template...
bcfb
06-05-2013 02:40 AM
07-15-2014 11:16 AM
by Steve
15 3,811
Husqvarna pz 60
CDLAWNCARE
07-06-2014 06:50 PM
07-15-2014 08:53 AM
by kslawn
10 533
Lowballers
Chaz
07-11-2014 03:55 PM
07-14-2014 12:27 PM
by Steve
5 434
My new side job
Sprinkler Buddy
05-10-2014 05:23 AM
07-14-2014 12:15 PM
by Steve
10 885
Illegal spraying
GoGreenerKS
07-04-2014 09:11 AM
07-13-2014 10:36 PM
by GoGreenerKS
10 628
New Mower and Trailer
Chaz
06-25-2014 12:04 PM
07-13-2014 06:25 PM
by SGL1
7 653
» Popular Tags
4wd advertisement article marketing auger bid butterfly gardens charge christmas lighting christmas light service courtesy call customers decorating estimate exmark ferris first truck fundraiser gopherhaul grass gravely hills holiday holiday decorating holiday lighting how much to charge introduction john deere quik trac lawn lawn care lawn care business book lawn care business seo lawn care business show lawn care business website lawn care business website seo lawn care website leaf lighting marketing monthly mow mulch mulch price new buisness new mower organize outdoor environments payment podcast property management company pto reo scag schedule scripts seo snow starting a business starting a lawn care business start up lawn care business steve stihl theft toro toro grand stand trailer trimmer rack walker winter winter services zero turn
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 04:26 PM.


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

All times are GMT -5. The time now is 04:26 PM.

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