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 09-02-2009, 12:19 PM
jasonw's Avatar
jasonw jasonw is offline
Senior Member
 
Join Date: Feb 2009
Posts: 1,008
Rep Power: 7
jasonw is on a distinguished road
Default insurance

Holly crap I cant believe these prices. I was just quoted $100 per month for Liability insurance. They are getting back to me about the workman's comp but I expect the same type of high prices. No wander small businesses cant survive in California. They leave us no choice than to take huge risks and work illegally.
__________________
White Company
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 09-02-2009, 01:13 PM
justin_time justin_time is offline
Justin
 
Join Date: Apr 2006
Location: French River, ON, Canada
Age: 28
Posts: 1,801
Rep Power: 0
justin_time is on a distinguished road
Default

Lawn care business tipsLawn Care Business Book
I pay about 775$ for the whole year for 1 million $ coverage.

I pay in 3 different payments.
Reply With Quote
  #3  
Old 09-02-2009, 02:16 PM
jasonw's Avatar
jasonw jasonw is offline
Senior Member
 
Join Date: Feb 2009
Posts: 1,008
Rep Power: 7
jasonw is on a distinguished road
Default

Quote:
Originally Posted by justin_time View Post
I pay about 775$ for the whole year for 1 million $ coverage.

I pay in 3 different payments.
This was 1200 per year for 150K in coverage. They went up to 3 million in coverage but said the higher the coverage the more expensive it is.
__________________
White Company
Reply With Quote
  #4  
Old 09-02-2009, 02:40 PM
justin_time justin_time is offline
Justin
 
Join Date: Apr 2006
Location: French River, ON, Canada
Age: 28
Posts: 1,801
Rep Power: 0
justin_time is on a distinguished road
Default

That's California for ya i guess
Reply With Quote
  #5  
Old 09-02-2009, 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

You should be able to get $1,000,000 coverage for about $1000 per year. I pay $1500 per year but I am covered to do tree work and climbing, brush clearing, etc. Thats $1000 cheaper than anyone else has offered me.

It really pays to shop around. I know you are in CA like me, so call Ralph Amero at Siskiyou Ins. He has always given me the best rates, and I have shopped everywhere. Tell him Brandon Little referred you. His number is 530-224-2345
__________________
Northern California
Reply With Quote
  #6  
Old 09-03-2009, 03:51 PM
Steve's Avatar
Steve Steve is online now
Administrator
 
Join Date: May 2003
Posts: 36,317
Rep Power: 10
Steve has disabled reputation
Default

Does California require businesses to carry workmans comp or can you opt out?
__________________
- 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
  #7  
Old 09-03-2009, 09:00 PM
turfmaster's Avatar
turfmaster turfmaster is offline
Senior Member
 
Join Date: Apr 2009
Location: Midwest
Posts: 366
Rep Power: 6
turfmaster is on a distinguished road
Default

Acuity insurance: one million in liability insurance for $575.00 annually.
That's in Wisconsin.
Reply With Quote
  #8  
Old 10-04-2009, 04:55 PM
GTOWN's Avatar
GTOWN GTOWN is offline
Junior Member
 
Join Date: Oct 2009
Posts: 3
Rep Power: 5
GTOWN is on a distinguished road
Cool Insurance Quote

I just purchased a $1,000,000 liability coverage thru AF and that includes being covered for snow removal for $350 a year..... I do also just work on my own for NOW... Question is it necessary to get a surety bond and what type of jobs exactly should I have it for? Is it more for commercial contracts?
I noticed that Turf Master Lawn is on this forum I to am from wisconsin and I just started my own lawn service business and I will be going full time next year, the name of my co. is Ultimate Lawn Service LLC. Im located in Washington County I was wondering if you did any sub contracting out to us small guys? if you would keep me in mind in the future for lawn services out this way I would be happy to do jobs for you and I can throw you work also...
Thanks Jason 414-349-0294

Last edited by GTOWN; 10-04-2009 at 05:01 PM.
Reply With Quote
  #9  
Old 10-05-2009, 09:55 AM
turfmaster's Avatar
turfmaster turfmaster is offline
Senior Member
 
Join Date: Apr 2009
Location: Midwest
Posts: 366
Rep Power: 6
turfmaster is on a distinguished road
Default

Quote:
Originally Posted by GTOWN View Post
I just purchased a $1,000,000 liability coverage thru AF and that includes being covered for snow removal for $350 a year..... I do also just work on my own for NOW... Question is it necessary to get a surety bond and what type of jobs exactly should I have it for? Is it more for commercial contracts?
I noticed that Turf Master Lawn is on this forum I to am from wisconsin and I just started my own lawn service business and I will be going full time next year, the name of my co. is Ultimate Lawn Service LLC. Im located in Washington County I was wondering if you did any sub contracting out to us small guys? if you would keep me in mind in the future for lawn services out this way I would be happy to do jobs for you and I can throw you work also...
Thanks Jason 414-349-0294
Hi Jason and welcome to the forum.
I do not have a surety bond but it certainly wouldn't hurt to have one.
For property maintenance I don't think it is necessary because your mainly supplying labor. If you get more into landscaping or construction where you have more money tied up in materials I would definitely have one.

I am located in Waukesha County. I am a small company also with 3 employees now . I have subbed work out in the past and if I get any leads in your area I will let ya know.

Randy
Reply With Quote
  #10  
Old 10-06-2009, 04:52 PM
GTOWN's Avatar
GTOWN GTOWN is offline
Junior Member
 
Join Date: Oct 2009
Posts: 3
Rep Power: 5
GTOWN is on a distinguished road
Default

Hey Randy Thanks for your input... And also thanks a million for keeping me in mind for any jobs out this way I really appreciate it... I will do the same for you if I here of any BIG jobs that I cant handle and I will notify you to see if you would like to take them on.

Jason
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
Insurance AllProlawn Starting a lawn care business. 10 12-22-2008 02:37 AM
Getting insurance and bus. licence JODY84 Starting a lawn care business. 1 07-28-2007 05:57 AM
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
Lawn needs top soil What...
jymie
08-26-2014 11:01 AM
Today 05:12 PM
by jymie
6 274
Brake job!
kslawn
08-30-2014 07:49 AM
Today 03:37 PM
by Steve
8 210
Trailer tires
J.A.S.LawnService
Yesterday 10:17 AM
Today 03:27 PM
by Steve
3 113
Mowing 7 acres
avetslawncare
08-31-2014 04:24 PM
Today 03:11 PM
by Steve
5 162
Help pricing cut down 7...
Bradcook21
08-26-2014 11:17 PM
Today 03:04 PM
by Steve
7 263
New to the industry-...
Lsmain
08-31-2014 10:53 AM
Today 02:58 PM
by Steve
1 114
Sod
RosalesLawnCare
08-27-2014 03:47 PM
Today 02:48 PM
by Steve
3 208
Lawn Route Templates
Landscaper1165
08-30-2014 01:52 PM
Today 02:44 PM
by Steve
2 147
Hello! New here and...
CaliforniaFriendly
08-29-2014 11:30 AM
Today 02:39 PM
by Steve
2 168
Hello
jawnebgoode
08-28-2014 08:37 PM
Today 02:30 PM
by Steve
1 100
Hello from Ohio
kurtwin
08-28-2014 05:06 PM
Today 02:28 PM
by Steve
1 126
snowplowing
jshak40
Yesterday 07:20 AM
Today 08:15 AM
by kslawn
6 166
Walk Behinds and Texas...
SGL1
08-26-2014 03:53 PM
Yesterday 11:36 PM
by SGL1
7 281
Exmark Lazer Z S-Series...
BLC7
08-22-2014 10:18 AM
08-30-2014 09:49 AM
by BLC7
10 441
Stihl engine isn't...
Marcintosh
08-12-2014 08:30 PM
08-28-2014 09:28 PM
by Marcintosh
12 583
Softball field
kslawn
08-15-2014 09:28 AM
08-28-2014 12:01 PM
by Steve
16 660
Say Hello !!!
Steve
03-19-2007 11:18 AM
08-27-2014 08:33 PM
by kurtwin
1,187 331,329
These are the days on...
ExtremeLawncareServices
03-22-2014 09:12 AM
08-26-2014 04:21 PM
by ExtremeLawncareServices
110 6,723
How do I approach...
Bradcook21
08-21-2014 01:48 AM
08-26-2014 05:08 AM
by Billy Goat
12 563
Tender Process
M2Dave
08-24-2014 12:31 PM
08-25-2014 04:14 PM
by Steve
2 238
Grass hopper mower
ExtremeLawncareServices
12-05-2013 08:51 AM
08-25-2014 04:02 PM
by Steve
26 3,897
Need help pricing basic...
Bradcook21
08-22-2014 01:21 AM
08-22-2014 01:05 PM
by Steve
2 329
Yearly contract Pricing
jrob0691
08-21-2014 08:57 AM
08-22-2014 01:01 PM
by Steve
6 403
yearly contract help...
jrob0691
08-21-2014 04:09 PM
08-22-2014 12:48 PM
by Steve
1 276
Pampas bushes
Bradcook21
08-22-2014 01:30 AM
08-22-2014 07:17 AM
by grassdoctore
1 247
2014 Gie-expo
ExtremeLawncareServices
08-19-2014 11:22 PM
08-21-2014 08:50 PM
by phlawncare
2 291
Fuel Can Spouts
Shark1611
08-16-2014 09:09 AM
08-21-2014 08:23 PM
by SGL1
11 535
Have you ever had to...
SouthernRootsLawnCare
07-26-2014 02:41 PM
08-21-2014 05:03 PM
by stevef1201
6 789
Hello
M2Dave
08-21-2014 12:32 AM
08-21-2014 01:38 PM
by Steve
1 255
New Landscaping Business
rekon32
08-16-2014 02:26 PM
08-21-2014 12:33 PM
by SouthallMowing
8 588
Downed Tree Chop Bid
WesleySnips
08-16-2014 03:47 PM
08-20-2014 01:44 PM
by SGL1
10 559
60 inch honda/bunton...
pblawncare
08-17-2014 11:30 AM
08-18-2014 03:19 PM
by Steve
2 304
Replacement Parts -...
nicholas-KC
08-16-2014 08:40 AM
08-18-2014 03:16 PM
by Steve
4 413
Preparing the soil
Billy Goat
08-16-2014 06:18 PM
08-18-2014 03:01 PM
by Steve
1 324
What to pay help
phlawncare
08-04-2014 08:33 PM
08-18-2014 10:33 AM
by jrs.landscaping
29 1,158
Hello
Jeff1
08-07-2014 11:18 PM
08-15-2014 11:53 PM
by Jeff1
11 620
Lie #2 RESIDENTIAL...
ExtremeLawncareServices
01-06-2014 05:02 AM
08-15-2014 01:46 PM
by mattthelawnguy
54 6,735
Need help 30 HP koler...
Shady Grady
08-01-2014 03:31 PM
08-15-2014 08:46 AM
by kslawn
18 793
New Boomless Sprayer!
BlackRain75
01-03-2014 01:01 PM
08-14-2014 02:37 AM
by BlackRain75
12 1,991
first year update
cmdlawncare
08-12-2014 05:41 PM
08-13-2014 03:29 PM
by Steve
1 418
Hello from Jacksonville,...
JM Lawn Care
08-10-2014 07:15 AM
08-13-2014 07:04 AM
by Sprinkler Buddy
9 545
Hello everyone new to...
maddyandrays
08-11-2014 04:51 PM
08-12-2014 08:58 PM
by Shark1611
2 377
Walk behinds
hpruitcei
08-07-2014 06:28 PM
08-12-2014 02:35 PM
by mattthelawnguy
7 648
New name help
stevef1201
08-10-2014 04:27 PM
08-12-2014 12:03 PM
by Steve
6 522
my little green dilemmas
Lawn Techie
08-03-2014 11:47 AM
08-11-2014 01:20 PM
by Steve
7 620
what the best...
CleanCutsLLC
08-02-2014 01:02 AM
08-11-2014 01:16 PM
by Steve
6 671
Texas lawn care company...
Livingston Lawn Care
07-25-2014 11:29 AM
08-11-2014 01:19 AM
by ExtremeLawncareServices
13 930
Covering all the bases
janslawncare
08-08-2014 10:11 AM
08-08-2014 01:41 PM
by Steve
1 461
New from Florida
ADE
08-06-2014 08:40 PM
08-08-2014 01:32 PM
by Steve
4 529
JOB - Landscape Install...
janslawncare
08-08-2014 10:06 AM
08-08-2014 10:06 AM
by janslawncare
0 417
» Popular Tags
2wd 4x4 34'' advertisement apartment lawn care estimate article marketing bid butterfly gardens care charge commercial credit card customers employee problems exmark ferris financing foreman four wheel drive gopherhaul grass gravely health how much to charge husqvarna hydraulic installation kansas city 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 leaf managing a lawn care business marketing mechanic monthly mow mulch mulch price new and restored landscapes new buisness new business payment podcast property management company scag scag v-ride schedule search engine optimization seo small engine repair starting a business steep lawns stihl top dresser toro tractor auger trailer mate pro tree care truck new used landscape walk behind walker won't return wright stander rh
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 06:41 PM.


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

All times are GMT -5. The time now is 06:41 PM.

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