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Old 03-29-2011, 02:53 PM
panzafit panzafit is offline
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Location: Crawfordville, FL
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Liability Insurance in FL

My husband has started his own lawn business and just got his occupational license. He named the business with his name in it so he didn't have to pay any extra. Now we are looking for liability insurance. We heard about LLC but were not sure if we had to go the LLC route or general liability......does anyone know the answer to this?

Also other than occupational license and some sort of liability insurance is there anything else that is needed?
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Old 03-29-2011, 05:08 PM
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unkownfl unkownfl is offline
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Quote:
Originally Posted by panzafit View Post
My husband has started his own lawn business and just got his occupational license. He named the business with his name in it so he didn't have to pay any extra. Now we are looking for liability insurance. We heard about LLC but were not sure if we had to go the LLC route or general liability......does anyone know the answer to this?

Also other than occupational license and some sort of liability insurance is there anything else that is needed?
General Liability is what you need no matter what business entity you have. LLC INC Sole Proprietorship is a business entity. You need a business tax recipe for every county you wish to service with a business tax recipe for every town/city as well. A business tax recipe is what you get instead of an occupational license. You also need to register on SUNBIZ.org your business name even as a sole proprietorship. You don't need insurance for most lawn care in Florida. You can't apply anything to anything besides straight FERT no weed and feed round up etc. You need a sales tax recipe if you plan on selling mulch/sod etc. He needs to call 811 if he plans to put a shovel in the ground period three business days before putting the shovel in the ground. Not doing all of that will result into serious fines and every city, county and the state has enforcement and they are all hard up for money with budget cuts. You must notify your car insurance company that you're using the vehicle for business use or they will deny your claim if something happens. Also I recommend to up your insurance limits to at least 100/300/100 with a name brand company.
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Old 03-29-2011, 07:51 PM
FLAhaulboy FLAhaulboy is offline
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"He needs to call 811 if he plans to put a shovel in the ground period three business days before putting the shovel in the ground. Not doing all of that will result into serious fines and every city, county and the state has enforcement and they are all hard up for money with budget cuts."


Not true for NW Florida.
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Old 03-29-2011, 08:17 PM
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yamadooski yamadooski is offline
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What is a "tax recipe"?
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Old 03-29-2011, 08:18 PM
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unkownfl unkownfl is offline
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http://www.leg.state.fl.us/statutes/...556/Sec105.HTM
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Old 03-29-2011, 08:19 PM
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unkownfl unkownfl is offline
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What is a "tax recipe"?
lol receipt
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Old 03-29-2011, 09:53 PM
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zturncutter zturncutter is offline
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Quote:
Originally Posted by panzafit View Post
My husband has started his own lawn business and just got his occupational license. He named the business with his name in it so he didn't have to pay any extra. Now we are looking for liability insurance. We heard about LLC but were not sure if we had to go the LLC route or general liability......does anyone know the answer to this?

Also other than occupational license and some sort of liability insurance is there anything else that is needed?
Take some time and some money and go speak to a certified public accountant. Advice is like anything else, you get what you pay for.
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Old 04-02-2011, 10:43 PM
jbannick18 jbannick18 is offline
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If you own assets outside of your business such as a house your are going to want to go LLC as far as setting up your company. This way if a lawsuit were to be filed against you they could not come after your personal assets
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Old 12-22-2011, 07:32 AM
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jvanvliet jvanvliet is offline
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Quote:
Originally Posted by yamadooski View Post
What is a "tax recipe"?

Tax Recipi:

2 + 2 add a dash of accounting; cook books for 30 minutes = whatever you want it to be for tax purposes
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Old 12-22-2011, 07:34 AM
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jvanvliet jvanvliet is offline
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If the OP needs a liability insurance resource, My wifes company sells it (she's not the agent so she gets no commission)
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