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Old 05-11-2013, 10:28 AM
GQLL GQLL is offline
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Join Date: Mar 2011
Location: Hampton Roads, Va
Posts: 844
We insure 5 trailer for full replacement value with nationwide for 100 dollars a year. That cover theft vandalism fire or collision. I'd rather pay 100 a year then have to spend 8 grandto replace a trailer
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Old 05-11-2013, 01:10 PM
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OakNut OakNut is offline
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Join Date: Dec 2010
Location: Pittsburgh PA
Posts: 3,670
Originally Posted by windflower View Post
Ask your current insurance co if they will cover business use. Some will for a fee.

Correct answer.
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Old 06-18-2013, 12:49 AM
KG26 KG26 is offline
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Join Date: Feb 2013
Location: Birmingham MI
Posts: 130
I just want to do an insurance check list. Do any of you have insurance on anything else besides the following. commercial Truck insurance,
Trailer, (depending on the size does you commercial insurance cover your trailer?)
Business liability insurance.
My tools:

44' Toro Prolline
36' Cub Cadet
Redmax EBZ 8000
Shindaiwa C2510
Tarps up the wazo
Mulch Shovel
Rakes ect

Wishlist: 2005 Silverado 2500 HD
2Stage Snow Blower (I have to think of a loading system because these things are HEAVY)

~Entrepreneurship has provided me with a avenue to make money when corporate America hasn't.
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Old 07-05-2013, 02:29 PM
Four Gardens Landscape Four Gardens Landscape is offline
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Join Date: Apr 2013
Location: MA
Posts: 8
Hello Matt,

I just recently went through this as well just take note I am located in MA so I do not know if it is the same where you are located.

I found out that I needed commercial plates in order to conduct business as a landscaper in MA so that commenced my search to find plates. I was told by two insurance companies that I would be OK with a personal policy including something called a "class-30" which is a business use class on my insurance policy however, I decided to go with a full commercial policy just to make sure I am fully covered no matter what.

Business liability insurance is also a great idea. I have heard people say they would not step on to a property without it.

Hope this helps,

1 Cor 13:13 And now these three remain: faith, hope and love. But the greatest of these is love.

Last edited by Four Gardens Landscape; 07-05-2013 at 02:36 PM.
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Old 07-05-2013, 02:43 PM
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JB1 JB1 is offline
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Join Date: Feb 2000
Location: From the hills of beautiful Southern Indiana
Posts: 5,954
just be very careful if your personal covers your truck.
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Old 08-25-2013, 09:41 PM
jonniebud jonniebud is offline
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Join Date: Jan 2013
Location: kelowna b.c
Posts: 32
U use it for work does it make u money then yes don't welfare out it just mite cost you more in the long run
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Old 09-09-2013, 06:57 PM
clipfert clipfert is offline
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Join Date: Feb 2002
Location: Eastern PA
Posts: 191
Why ask a bunch of landscapers? Go and speak with your agent. It realy does not matter if you have one customer or a million customers you need to be insured.
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Old 09-11-2013, 02:01 PM
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TML TML is offline
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Join Date: Oct 2012
Location: Southern, ME
Posts: 741
I just got commercial insurance on my truck. I also spent the extra $26 and insured my trailer. It was explained to me that I would be covered liability wise only if the trailer was hooked to the truck and a crash occurred involving the trailer; however, any damage or replacement cost to the trailer would not be covered without the insurance. It also covers any odd type of incidents that could happen to the trailer when it is unhooked.
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Old 10-04-2013, 04:20 PM
elbow300 elbow300 is offline
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Join Date: Nov 2012
Location: Chattanooga TN
Posts: 51
Your insurance agent will be knowledgeable on the policies he/she offers. In my experience, agents are the best resource for insurance questions. When you speak with him or her, just remember that they are there to sell policies. Don't be afraid to say "I'm not interested" or "I'll keep that in mind" and don't get pushed into anything you don't need or want. It is easy to spend so much money on insurance and overhead that you are working for free. And, I believe it is a good practice to shop for better rates and benefits every couple of years or so. That alone has saved me quite a bit of money and given me a good bit of knowledge over the years.
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Old 10-21-2013, 01:26 PM
TuffTurfLawnCare TuffTurfLawnCare is offline
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Join Date: Jan 2013
Location: Pittsburgh (South Hills)
Posts: 670
I have 16 lawns or so that I do weekly. I drive a 2003 GMC 1500 and tow my equipment on a 6x10 trailer. I have commercial insurance on the truck and trailer, general liability to cover the business and an inland marine policy to cover the equipment. If the equipment is stolen, and you don't have inland marine coverage, your SOL.

Call your agent and/or call a few and get quotes. prices very dramatically from one company to another so be sure to check them all.
Just like everyone else on here, I have stuff that cuts, whacks, mows and blows. And way to haul it around.
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