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Old 02-04-2013, 09:09 AM
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CreativeLawncareSolutions CreativeLawncareSolutions is offline
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Join Date: Jan 2013
Location: cincinnati, oh
Posts: 1,596
Originally Posted by Jlin428 View Post
You have a good point, and I agree with it to a certain level. The way I look at it, since I will most likely be running it all by myself for now, I feel the likeliness of somebody getting hurt is reduced. There is always a risk with everything one does.

When it gets to the point where I need to hire people to work for me, that is another story. You do have a point, I really shouldn't risk it especially when it comes to other people. Getting insurance sounds pretty serious from the feedback I have gotten so far. Like I said, it is something that I would like to have, but I am just not made of money (yet).

Wow, that's really not that bad at all. If you don't mind me asking, how big is your business? It sounds like 2 mil of coverage is a pretty high number for a 1 man business. I will look into this with my current insurance company though. Thanks!

Well thanks for your input, I really mean that as well. Just to let you know, its not that I don't want to run a legitimate business, its that I don't think I can afford to run a legitimate business. After I make a little bit more money, I would like to purchase insurance and all that stuff, but with where I am at now I need to utilize every dollar I have and basic equipment outweighs insurance to me. I understand where you are coming from, non-legitimate businesses are frowned upon and unfortunately I am going to have to deal with that negativity until I can afford it. Gotta do what ya gotta do man.

Also, I do plan to ask my mom on tax stuff, I just figured that since you are in the industry you might be able to give me advise from a business point of view. No sweat though.
2 mil is a lot. We needed that high of coverage to get some commercial accounts. You won't need that much for residential accounts.

In 10 years I've never made an insurance claim.

14' landscape trailer
52'' Wright Stander
21'' Personal Pace
Stihl handhelds
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