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View Full Version : Liscensed And Insured!


GreenMachine102
09-22-2003, 01:53 PM
I current;y am not insured or liscensed, but I want/need to be, so how do I go about doing it?

I don't know anything about insurance, need some help!:dizzy:

Scraper
09-22-2003, 02:50 PM
Originally posted by GreenMachine102

I don't know anything about insurance, need some help!:dizzy:

Go to the Yellow pages under insurance and call a few....personally I go thru Nationwide.

Sauls1686
09-22-2003, 03:53 PM
Can u be insured but not liscensed?

bobbygedd
09-22-2003, 03:56 PM
u can have mine, im about to cancel them both, and save the $4000 a year

narly1_2000
09-22-2003, 03:59 PM
go with whoever you have your homeowners insurance and or vehickle insurance.. Im in the electric biz and liability is only around 450 a year . workers comp will kill you though

lawnagent
09-22-2003, 04:47 PM
That is what I did. I got my liablility through my homeowners insurance carrier. I also got a LITTLE BITTY discount for doing both through the same place.

Jimbo
09-22-2003, 04:58 PM
Yes you can be insured but not licensed

jlewis
09-22-2003, 05:14 PM
Saul,
In york, PA you do not have to be licensed unless you are into landscaping. Go to www.state.pa.us

polecat63
09-22-2003, 05:35 PM
Dang Bobby, you must reck alot of stuff to have insurance that high.:D

bobbygedd
09-22-2003, 06:34 PM
2 trucks @$1150 each./pest +business liability@900/pest license and "credits" to keep it current@ around $700. i been thinking, maybe its worth not having ins and pest license, ill tell u why: if i cancel them now, in 3 yrs ill save like 12 grand. now, even if i get into a little fender bender, ill have to pay out of pocket, like say $1000, im still ahead $13000. now, if i get caught applying pest without a permit, its an $800 fine, im still way ahead of the game. it could quite possibly be well worth the risk.

narly1_2000
09-22-2003, 10:30 PM
Bad thing is, No insurance atleast in Maryland, they will come after your house. Always pays to be on the up and up. Who needs some county inspector catching up with you and having to look over your shoulder all the time

GreenMachine102
09-23-2003, 11:18 AM
I am going with nationwide, since that is what my parents use for their homeowners!

fraz001
09-23-2003, 02:17 PM
MOST OF MY BIG JOBS WANT ME TO HAVE IT..
ALSO IT COMES OF TAXS??

bobbygedd
09-23-2003, 04:02 PM
it comes of taxs???????

Jimbo
09-23-2003, 08:20 PM
Bobbygedd- I think he is saying you can write it off.

Jimbo

Hawkeye5
09-24-2003, 01:39 PM
Bobby, I know you are kidding. But for those that may consider going without insurance....take the $1000 fender bender, throw in a person that has neck or back problems and goes to the emergency room (you take them as you find them and if you aggravate a previous injury that is just too bad). All of a sudden you may be up to $10,000 in medical and another $10-$20,000 for pain and suffering. Now add an attorney to the mix and you will have only fond memories of the business you once owned before the person you hit and their shyster take it away, plus you will have to pay for your own lawyer out of your pocket. Now add on the violation of your state financial responsibility law and the fact that you will have to prove to the state that you have insurance through an SR-22 financial responsibility filing your new and expensive insurance company will make for you over the next three to five years. Add in the fines you may have to pay for causing the accident and operating the vehicle without insurance. Better put that money you save in premiums in a very good investment because your going to need it!!

tiedeman
09-24-2003, 01:41 PM
get the insurance. Be on the safe side. Heck my first policy ever was a million dollars libability. You can never take a chance

bobbygedd
09-24-2003, 02:52 PM
insurence is a scam. it is forced gambling. remember in order to be sued, u have to have something. i tried suing this ahole one time. my lawyer got back to me. he said the man got nothin to sue for. house is owned by the bank. no money, loans on his car. u cant get blood from a stone.

T.E.
09-24-2003, 03:03 PM
Insurance may be a scam,but it is what I call a necessary evil.

Hawkeye5
09-24-2003, 05:09 PM
[QUOTE]Originally posted by bobbygedd
[B]insurence is a scam.

Actually, NJ is the insurance fraud capital of the world.

PERFECTLAWN
09-25-2003, 11:14 PM
GO FOR THE INSURANCE. MY OLD MAN TOLD ME, IF YOU GOT ANYTHING, YOU BETTER HAVE INSURANCE. WORKERS COMP IS THE LAW IN FLA WITH EVEN A FEW EMPLOYEES, AND MOST LIGIT COMMERCIAL CUSTOMERS WON'T TOUCH YOU WITHOUT 1MIL LIABILITY. YOU MAY HAVE TO START OUT BEGGING FOR COVERAGE. NO DECENT COMPANY WANTED TO TALK WHEN I STARTED. HAD TO WORK MY WAY UP THROUGH THE SHARKS. IT TAKES TIME TO BUILD BUSINESS RESPECT. I WON'T GO INTO THE NUMBERS, BUT LETS JUST SAY THAT OUR CURRENT NATIONALLY KNOWN PROVIDER RETURNS OUR CALLS. GO LUCK.

YardMeister
09-27-2003, 10:23 AM
I use the same company that I have my home owners, auto, and life policies through. One phone call and I was set for 2 mil. coverage.

Take a look at Hartford Ins.