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 12-18-2008, 01:14 AM
AllProlawn AllProlawn is offline
Johnny
 
Join Date: Oct 2007
Posts: 41
Rep Power: 8
AllProlawn
Default Insurance

you are starting out you got your busines insurance
truck ins and your ready to go

you should think about health insrance as well

i made this mistake i was coverd by my wifes insurance from her work
dint think about it
well she was layed off from her job and a month later
I ended up in the hospital.
im a type 2 diabetic .
and i was wokring on a sprinkler repair in som brush and trees
and i got a cut on the bottom of my foot
at first lisa and i thought it was posoin ivy
it had all the symtoms of it
but any way i i went back to work and a week later
i was in bed and my legs were hurting and lisa got up to get
the heating pad and when she pulled the covers back
she said oh no we are going to the hospital i liffted my leg up and
and wow they were black and blue.
i got real scared
after we got to the hospital the nurse looked at me and
went got the dr .
i dint even go in to the emergancey room thay took me right to
the ultra sound room to do a scan
they were pulling blood and asking ????
i ended up in the hospital for 7 days
i had gotten a infection and if i would have waited longer
i probly wount be hear the dr said
and now 20,000 dollars later i m filling for bankruptsy

if you were out working and you cut a finger off or somthing
you would need it
some thing to think about

Last edited by AllProlawn; 12-18-2008 at 01:16 AM. Reason: miss
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 12-18-2008, 02:08 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,504
Rep Power: 10
Steve has disabled reputation
Default

Lawn care business tipsLawn Care Business Book
Oh John! WOW! I am sorry all that happened!

Was this due to tentnus at all? Did they say or did this infection happen because of the cut?

Quote:
i ended up in the hospital for 7 days
i had gotten a infection and if i would have waited longer
i probly wount be hear the dr said
and now 20,000 dollars later i m filling for bankruptsy
Did they give an option to pay over time or no? For those who have never had to deal with this in the past, what ultimately made you choose bankruptcy? Do they know you are going to do this? Would it help them work with you on lowering the price?

Also, have you found any medical insurance now that is at all within a reasonable price range?
__________________
- 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 With Quote
  #3  
Old 12-18-2008, 07:14 AM
musician/lawnman's Avatar
musician/lawnman musician/lawnman is offline
Chuck
 
Join Date: Feb 2008
Location: South West Florida
Posts: 919
Rep Power: 7
musician/lawnman is on a distinguished road
Default

John,
Sorry to hear about that man, Glad your alright now.
Check into the laws prior to filing bancruptcy, I am almost positive that here in florida as of a few years ago past due medical bills can not be included & discharged in a bancruptcy. Now I believe they stick with you right on through. Yeah health insurance is a nightmare (I was & still am a licensed health/life insurance agent). If you get a cheap policy you get cheap coverage. For decent major medical you pay through the nose & if you have any pre-existing conditions they charge you both arms & a leg, and that's if you even qualify to get it at all. I have a young healthy family of 4, I'm in my early 30's, wife in late 20's, & 2 little ones under 4 years old. I pay a ridiculous amount, about $750 a month! It's insane. Good luck with everything sir!
__________________
AAA QUALITY CLEAN CUT, LLC.
LAWN CARE & LANDSCAPING
Visit us here:

  #4  
Old 12-18-2008, 07:30 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,504
Rep Power: 10
Steve has disabled reputation
Default

Chuck what kind of coverage does that include?

Also, have you ever considered selling health insurance even through this site? Could that be something that is possible? I bet a lot of people would like to have you as a friend in the health insurance business. Maybe through the forum we could get some people signed up through you.
__________________
- 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 12-20-2008, 02:38 AM
AllProlawn AllProlawn is offline
Johnny
 
Join Date: Oct 2007
Posts: 41
Rep Power: 8
AllProlawn
Default

Quote:
Originally Posted by Steve View Post
Oh John! WOW! I am sorry all that happened!

Was this due to tentnus at all? Did they say or did this infection happen because of the cut?



Did they give an option to pay over time or no? For those who have never had to deal with this in the past, what ultimately made you choose bankruptcy? Do they know you are going to do this? Would it help them work with you on lowering the price?

Also, have you found any medical insurance now that is at all within a reasonable price range?
no steve it was cell u lightess a diabect thing

yes i did it was $15000.00 if i paid cash they would lower it
to $11000.00 but if i make payments it would be 15000.00
My wife lisa brother is a lawyer and he told me to file
he said it would actully help us.
i will be talking more to him on christmas since he lives in
lansing Mich and he willl be hear of the hoildays
i could selll my race car and pay for it but lisa wont let me
i built that car with my bare hands from the gound up
its our 3 child as she calls it and she said we woundnt
sell our twins now would we lol
Reply With Quote
  #6  
Old 12-20-2008, 02:59 AM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,504
Rep Power: 10
Steve has disabled reputation
Default

Keep us all posted on the process of this. I think all of us can learn a great deal from the situation.

Have you looked into medical insurance now? If so what kind of price ranges have you found?

What advice to others would you have if they found themselves in a similar situation?

Also, on a side note, I know this may sound crazy, but can you actually be covered by the home owner's insurance policy? Have you considered talking to your brother in law and potentially filing a claim with them on this?
__________________
- 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 With Quote
  #7  
Old 12-20-2008, 12:44 PM
musician/lawnman's Avatar
musician/lawnman musician/lawnman is offline
Chuck
 
Join Date: Feb 2008
Location: South West Florida
Posts: 919
Rep Power: 7
musician/lawnman is on a distinguished road
Default

Steve,
I'm really not interested in being involved with it at all anymore. Like I said you either pay for the premium, or you end up paying most of the bills with a cheaper policy when they decline coverage for alot of the procedures. They like to claim they are not "medically nessesary". Unreal how a doctor who has say 20 years in the field & 12 years of schooling orders a test, & a 2 year bachelor degree underwritting twit can just say "no he didn't NEED to do that MRI". Oddly enough, what I specialized in at the firm I was with was Affordable (limited benefit) health policies. These were primarily targeted towards the self employed, mom & pop operations that can't afford or qualify for the big major med plans out there. The problem lies in that yes they can't afford the "bumper to bumper" coverage so it's at least something right? But when something down the line isn't covered by the lesser plan they could afford now they are mad at you for selling them a lesser product. Even though you explain the program to them at the time of sale people hear what they want to hear & immediately disregard any memory of you telling them something they don't want to hear. Just like in this field... I could (& do) explain my annual programs exactly the same every time so the client knows that instead of paying per cut which gets expensive in season we can finance all those labor intensive months out over the slower months & make it one set affordable rate all year long. But every year I get a few clients around this time of year that start to flip at paying "So much this month when we only serviced the lawn a couple times! That's insane!" Now I explained it the same to the other 40 new annual clients that signed up this year & they got it.... but 4 or 5 of them swear they didn't understand or that we never informed them of this. They hear & like the better summer rate, but forget the year round payment part & now wanna pay only half the monthly rate in the off-season. Same selective memory only here the stakes aren't as high as a $20,000+ medical bill.
__________________
AAA QUALITY CLEAN CUT, LLC.
LAWN CARE & LANDSCAPING
Visit us here:

  #8  
Old 12-20-2008, 06:54 PM
AllProlawn AllProlawn is offline
Johnny
 
Join Date: Oct 2007
Posts: 41
Rep Power: 8
AllProlawn
Default

Quote:
Originally Posted by AllProlawn View Post
no steve it was cell u lightess a diabect thing

yes i did it was $15000.00 if i paid cash they would lower it
to $11000.00 but if i make payments it would be 15000.00
My wife lisa brother is a lawyer and he told me to file
he said it would actully help us.
i will be talking more to him on christmas since he lives in
lansing Mich and he willl be hear of the hoildays
i could selll my race car and pay for it but lisa wont let me
i built that car with my bare hands from the gound up
its our 3 child as she calls it and she said we woundnt
sell our twins now would we lol
hear steve is the photo of my feet when the Took me to the ultra sound room
Attached Images
File Type: jpg feet.jpg (23.1 KB, 63 views)

Last edited by AllProlawn; 12-20-2008 at 06:56 PM. Reason: mis spelled word
Reply With Quote
  #9  
Old 12-20-2008, 11:40 PM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,504
Rep Power: 10
Steve has disabled reputation
Default

OH WOW! Now were both feet effected? I am not sure but it looks like both feet look swollen and are purple looking.
__________________
- 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
  #10  
Old 12-21-2008, 08:05 PM
AllProlawn AllProlawn is offline
Johnny
 
Join Date: Oct 2007
Posts: 41
Rep Power: 8
AllProlawn
Thumbs up

Quote:
Originally Posted by Steve View Post
OH WOW! Now were both feet effected? I am not sure but it looks like both feet look swollen and are purple looking.
Yes both Feet i was lucky it was in my blood streem and if i t would have gotten any worse i woulnt be hear
been talking to a insrance guy he gave me a idea
i will let you know when i find out more
Attached Images
File Type: jpeg Photo-0112.jpeg (26.5 KB, 59 views)
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
Getting insurance and bus. licence JODY84 Starting a lawn care business. 1 07-28-2007 05:57 AM
Insurance Companies greatsaving Introduce Yourself 4 07-17-2007 04:57 PM
Insurance Steve General Talk 5 02-15-2007 10:30 PM
looking for insurance coronaldi General Business Discussions 1 01-16-2006 09:28 AM
business insurance? Mowin Madman General Business Discussions 1 06-03-2003 10:10 PM

» Recent Threads
  RatingTitle, Username, & Date Last Post Replies Views
Pressure Washing Like a...
TNTurf
08-01-2014 11:47 PM
Yesterday 11:12 PM
by TNTurf
7 657
Hello, from TEXAS
sanchez5
10-17-2014 09:56 PM
Yesterday 10:44 PM
by sanchez5
5 297
Dealing With Gas Can...
Mr. Mow
Yesterday 01:41 PM
Yesterday 08:23 PM
by Sprinkler Buddy
2 81
Leaf Box & Loader Set...
ringahding1
Yesterday 06:20 AM
Yesterday 07:22 PM
by ringahding1
2 92
Organic Lawn Care...
NHray
10-17-2014 06:05 PM
Yesterday 05:47 PM
by NHray
2 279
Hi Steve From West...
Mr. Mow
Yesterday 01:59 PM
Yesterday 01:59 PM
by Mr. Mow
0 53
Cheapskate Landlord...
Mr. Mow
10-20-2014 06:33 AM
Yesterday 01:50 PM
by Mr. Mow
8 214
What parts do you carry...
Just for Cuts
10-17-2014 09:08 AM
Yesterday 01:36 PM
by Mr. Mow
16 571
Jungle to Beautiful
stevef1201
10-17-2014 09:54 AM
Yesterday 01:26 PM
by stevef1201
11 408
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
Yesterday 01:19 PM
by ExtremeLawncareServices
158 11,240
Sunny Beach Tennis...
SGL1
10-19-2014 11:24 PM
Yesterday 01:04 PM
by SGL1
4 181
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
10-20-2014 08:34 PM
by biglee
10 1,726
Look out Bob Villa -...
Mr Dave
09-30-2014 10:06 AM
10-20-2014 05:42 PM
by SGL1
7 1,240
how to fi d commercial...
mchampion319
10-19-2014 09:50 PM
10-20-2014 04:41 PM
by Steve
1 153
Hello From Tennessee
mrmann901
10-17-2014 10:02 PM
10-20-2014 04:24 PM
by Steve
1 229
questions on order to...
jack2048
10-13-2014 11:15 AM
10-20-2014 03:27 PM
by Mr. Mow
15 660
This sucks...
Matther777
09-18-2014 04:56 PM
10-20-2014 02:14 PM
by Steve
14 2,105
Cement mixer
KevinsLawns
10-15-2014 08:03 PM
10-20-2014 02:11 PM
by Steve
7 403
Hello ! New guy Rob here
RWorthley1
10-17-2014 04:05 PM
10-20-2014 02:09 PM
by Steve
1 241
first year update
cmdlawncare
08-12-2014 05:41 PM
10-20-2014 02:07 PM
by Steve
3 1,230
Pda
stevef1201
10-18-2014 02:05 PM
10-19-2014 11:27 PM
by SGL1
2 221
Snow Blowing
gwilson98
10-12-2014 02:21 PM
10-17-2014 02:51 PM
by Steve
6 583
Spreading Weeds?
WesleySnips
07-27-2014 09:46 PM
10-17-2014 07:49 AM
by SGL1
6 886
Grasswhoopins.com Anyone...
GRASS WHOOPINS
06-21-2011 11:38 PM
10-16-2014 01:30 PM
by ExtremeLawncareServices
42 9,243
I Want to buy old...
ExtremeLawncareServices
10-10-2014 10:04 PM
10-15-2014 09:12 PM
by ExtremeLawncareServices
6 623
Say Hello !!!
Steve
03-19-2007 11:18 AM
10-15-2014 06:43 PM
by NHray
1,190 339,964
Workmans compensation...
CDLAWNCARE
10-15-2014 08:05 AM
10-15-2014 02:57 PM
by Steve
2 370
Do you find weed eating...
chuck2s
10-15-2014 02:10 PM
10-15-2014 02:10 PM
by chuck2s
0 340
Incorporating &...
WesleySnips
10-01-2014 09:39 PM
10-15-2014 01:37 PM
by kslawn
20 1,428
Falling into business
stellarmowing
09-28-2014 04:35 PM
10-15-2014 05:57 AM
by ringahding1
8 1,448
Apartment Complex and...
lxarth
06-22-2011 01:10 PM
10-14-2014 06:25 PM
by jrs.landscaping
42 9,532
I LOVE hedge trimming
stevef1201
10-13-2014 09:05 AM
10-14-2014 01:06 PM
by Steve
5 467
Help with seeder...
ExtremeLawncareServices
10-09-2014 07:39 AM
10-13-2014 08:09 PM
by ExtremeLawncareServices
5 633
The Market watch
WesleySnips
10-12-2014 08:47 PM
10-13-2014 05:40 PM
by SGL1
3 471
Help pricing a large...
Bradcook21
10-07-2014 06:49 AM
10-13-2014 02:00 PM
by Steve
7 820
leaf removal
Double J LLC
10-03-2014 04:24 PM
10-13-2014 06:46 AM
by Billy Goat
19 1,451
Acerage Rake
acrajchel
04-23-2014 07:23 PM
10-12-2014 10:53 PM
by SGL1
2 784
John Deere z235 Deck
WesleySnips
09-29-2014 06:02 PM
10-12-2014 06:20 PM
by kslawn
25 1,593
Credit card contract
SGL1
10-06-2014 05:31 PM
10-12-2014 03:40 PM
by SGL1
18 1,007
Truck craft dump bed...
ExtremeLawncareServices
10-04-2014 08:41 PM
10-10-2014 11:35 AM
by Steve
7 911
First Time River Rock...
berryjam
10-09-2014 06:09 PM
10-10-2014 11:08 AM
by Steve
2 564
West cost lawn prices
SGlawncare
10-09-2014 09:51 PM
10-10-2014 11:03 AM
by Steve
1 550
Question?what should I...
dalvan0
09-24-2014 11:10 PM
10-09-2014 05:58 PM
by kslawn
28 2,082
Mowing the hills
EyeCatchersNow
07-08-2014 12:22 PM
10-09-2014 04:19 PM
by Just for Cuts
25 2,950
snowplowing
jshak40
09-01-2014 07:20 AM
10-09-2014 02:21 PM
by Steve
25 3,595
Changing Scag Freedom Z...
maggiedavidson
10-06-2014 12:24 PM
10-08-2014 06:34 PM
by ExtremeLawncareServices
7 798
The most dangerous part...
Steve
10-06-2014 02:45 PM
10-07-2014 04:18 PM
by ExtremeLawncareServices
3 776
Good Mower
jack2048
10-04-2014 05:34 PM
10-07-2014 01:05 PM
by Steve
7 861
Mulching fad killing...
Tree geek
10-06-2014 08:37 PM
10-06-2014 08:37 PM
by Tree geek
0 683
Help a brother...
tbtigers03
09-28-2014 11:41 AM
10-06-2014 02:53 PM
by Steve
11 1,406
» Popular Tags
4wd apartment complex article marketing auger bark bid blades bob villa care charge collections collections subcontractor decorating ditches edging employee problems equipment rental estimate exmark ferris four wheel drive fundraiser gopherhaul gravely growing a lawn care business hardscapes how much to charge husqvarna installation introduction kawasaki 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 marketing mr dave mulch new mower past due podcast promotion pto redmax reo running a business scag search engine optimization seo small engine repair snow sprayer starting a business steep lawns steve stihl theft of services top dresser toro toro grand stand trailer trimmer rack turfgrass consulting walker wood
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 01:11 AM.


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

All times are GMT -5. The time now is 01:11 AM.

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