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: 1,010
Rep Power: 8
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: 29
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: 1,010
Rep Power: 8
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: 29
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: 9
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 offline
Administrator
 
Join Date: May 2003
Posts: 37,509
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: 7
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: 6
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: 7
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: 6
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
I came across this on a...
rootytalbot
Yesterday 11:04 AM
Today 03:34 PM
by jrs.landscaping
5 108
recycler toro 22"
rvezakis
Today 12:10 PM
Today 12:10 PM
by rvezakis
0 27
Help bidding a hedge...
hopolb33
Yesterday 06:09 PM
Today 11:08 AM
by Steve
1 64
Big mowing job
Bradcook21
07-30-2015 03:57 PM
Today 11:06 AM
by Steve
7 172
scag SWZT review!
mattthelawnguy
07-23-2015 02:28 PM
08-01-2015 11:27 AM
by mattthelawnguy
10 423
Say Hello !!!
Steve
03-19-2007 11:18 AM
07-31-2015 12:29 PM
by Steve
1,227 401,643
Hello Everybody
budspop
07-30-2015 11:42 AM
07-31-2015 12:28 PM
by Steve
1 74
Should I buy this Exmark...
googus
07-03-2015 09:22 AM
07-31-2015 11:34 AM
by googus
9 613
Hello!
brandycarlton
07-29-2015 12:31 PM
07-29-2015 03:54 PM
by Steve
1 147
Assessing the Market
NJDB60
07-27-2015 03:25 PM
07-28-2015 09:24 PM
by Steve
2 264
Whats wrong with this...
GreenWorx
07-28-2015 07:56 PM
07-28-2015 09:09 PM
by Steve
2 244
Funny craigslist post
GreenWorx
07-28-2015 07:17 PM
07-28-2015 09:02 PM
by Steve
2 262
Watch out for this -...
rootytalbot
07-22-2015 02:13 PM
07-28-2015 09:00 PM
by Steve
7 415
NewVenture
NJDB60
07-27-2015 03:38 PM
07-28-2015 08:58 PM
by Steve
1 236
Pricing issue
Mr. Mow
07-07-2015 06:15 AM
07-27-2015 06:40 PM
by GreenWorx
17 812
how to make customers...
Bradcook21
05-27-2015 05:04 PM
07-27-2015 06:08 PM
by GreenWorx
15 2,989
Need your help, Gopher...
Chilehead
07-23-2015 07:02 PM
07-27-2015 11:28 AM
by Steve
11 405
These are the days on...
ExtremeLawncareServices
01-11-2015 10:41 AM
07-27-2015 11:22 AM
by Steve
94 10,502
Dogs
Mr. Mow
06-29-2015 02:37 PM
07-25-2015 07:50 AM
by Chilehead
12 2,450
Just about mid year, how...
GreenWorx
06-24-2015 07:05 PM
07-22-2015 07:31 PM
by Chilehead
14 2,522
Learning as I grow -...
WarriorLandscapingCAN
07-18-2015 07:46 AM
07-21-2015 10:53 AM
by Steve
3 330
Large dirt mound removal
purdue1973
07-09-2015 07:45 PM
07-20-2015 12:55 PM
by Steve
6 480
Hey everyone
Fantasy landscaping
07-09-2015 06:53 AM
07-09-2015 11:47 AM
by Steve
1 348
Quickbooks Online
jscarolina
07-08-2015 07:54 AM
07-08-2015 12:55 PM
by Nate10928
1 369
I dont know what to do...
Bradcook21
06-21-2015 08:49 AM
07-07-2015 09:48 PM
by SGL1
16 2,776
Start LIKING FACEBOOK...
rlclawncare123
02-26-2015 12:06 AM
07-07-2015 02:54 PM
by GreenWorx
13 3,710
Is it too late to do...
markty
06-16-2015 05:28 PM
07-07-2015 01:00 PM
by problem solver
9 2,518
Hi everyone
Mattw
07-06-2015 05:59 PM
07-07-2015 10:18 AM
by Steve
1 372
4th of July parade...
Steve
07-06-2015 10:35 AM
07-06-2015 10:35 AM
by Steve
0 320
Unemployment rates drop,...
Steve
07-02-2015 12:40 PM
07-06-2015 10:30 AM
by Steve
4 493
» Popular Tags
accounting ad landscaping aerocore applying bark billy goat brushcutter blowout bob villa bush collections contract help curb appeal services deliquentaccounts demonstration design edging equipment dealer financials flyers foreman free advertising google growing a lawn care business hardscapes hiring how to hydro increase customers invoicing jobs landscape landscape services landscaping landscaping training lawn aeration lawn care lawn care busines plan lawn mowing marketing marketing secrets more customers business mulch new business ordinance past due patio install per hour charge per hour service plowing pricing profit on employee quickbooks quickbooks online scag sell the vision seo shell shreaded snow plowing solo square foot swzt tree pics up sell employee walk behind web design website website design wood www.greenturion.co.za
Powered by vBadvanced CMPS v3.1.0

All times are GMT -5. The time now is 11:48 PM.


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

All times are GMT -5. The time now is 11:48 PM.

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