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Old 05-21-2013, 09:40 AM
A&W LawnCare A&W LawnCare is offline
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Join Date: Apr 2012
Location: Leonardtown, MD
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Insurance

I been in the lawn service business for three years. Filed my company name with the state and county, etc. My questions is insurance. Where I live the state does not require that I have a lenience since they classified what I do as maintenance. Should I carry insurance? Nothing I can find says I have to. All my customer know I don't an are ok with that. I have two new clients that are asking what type of insurance I carry. Has any one been in this situation? And how did you handle it. Thanks for you time and reply.
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Old 05-21-2013, 10:38 AM
Caddyshack Lawn Care Caddyshack Lawn Care is offline
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Join Date: Apr 2013
Location: Columbia MO
Posts: 526
YES, carry a commercial general liability policy. It's dirt cheap. But more than that, the first time you accidentally hit someone's vinyl siding or tree with a trimmer, or a fence with a mower, you'll be glad you have a policy. And those are the things very possible. Other things, like injuring someone are possible too - and is the real reason you carry it. Really...it's very inexpensive for a small LCO.
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Old 05-21-2013, 11:29 AM
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inzane inzane is online now
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Join Date: Jan 2012
Location: SouthEast
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300 to 400 a year for general liability is nothing compared to what it would cost if you damage someones property and do not have insurance. I'd be getting on top of that one right now if i were you.
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Old 05-21-2013, 11:34 AM
Mountain State Home Mountain State Home is offline
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Join Date: May 2013
Location: Hedgesville WV
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I agree

Its better to pay a small amount and have coverage, than to need coverage and not have it.

Most jurisdictions o businesses, at least where I am, require it to bid on any particular jobs.

Regardless, its to your benefit to have it and as mentioned its relatively cheap.
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Steve
Mountain State Home & Property Services

1988 For F150 Pickup 4WD
1995 John Deere 425 Tractor/Mower
1996 Craftsman pushmower
2001 John Deere J60 pushmower
2002 Premier 16 Ft trailer
2013 Stihl 40 C/E Trimmer

Planning on more equipment purchases as the year progresses
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Old 06-22-2013, 11:34 AM
recycledsole recycledsole is online now
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Join Date: Aug 2012
Location: MD
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can I ask how you go about getting general liability insurance?
thanks
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Old 06-22-2013, 12:48 PM
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gcbailey gcbailey is online now
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Join Date: Mar 2012
Location: southern WV
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on top of all of that, if you ever want to get into the commercial side you will definitely need some type of liability insurance.....

most insurance agencies can quote small business too.
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  #7  
Old 08-25-2013, 07:36 PM
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AlohaLawns AlohaLawns is offline
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Join Date: Aug 2013
Location: Maui HI
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Insurance is a must have. At least around here. I don't know of a condo association or commercial property who will let you step foot on it, without having it.
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Old 08-25-2013, 09:26 PM
fireman gus fireman gus is offline
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Join Date: Feb 2005
Location: Enid, Oklahoma
Posts: 512
Of course you should have insurance. It is part of doing business. 1 mistake on your part and the insurance will be all worthwhile
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