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  #11  
Old 06-19-2005, 01:04 PM
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greeneakers04 greeneakers04 is offline
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Location: Nashville, TN
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Quote:
Originally Posted by drmiller100
i think lco is lawn care operator.

imo. (in my opinion.)

IMHO, is in my humble opinion.
doug
I have always read IMHO as "In My Honest Opinion". Funny how people see things different ways.
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  #12  
Old 06-20-2005, 12:14 AM
sooner74 sooner74 is offline
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Quote:
Originally Posted by tjgray
That may be somes definition of a scrub, but mine is anyone who is operating a business or provides a service without the required insurance and licenses.

I could care less about what kind of equipment one has only that the are following the laws and regulations set by their state
Am I a scrub? I just started this season part-time with hopes of making a little extra money. I currently service 10 lawns, looking for more, and do not carry insurance or a license. I will pay taxes as my start-up expenses will nearly match what I make. I don't touch any chemical, just refer customers to the yellow pages and take the risk of no insurance due to the low customer base that I have and the fact I am solo and responsible for my actions. Just curious, so let me know your opinions.
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  #13  
Old 06-20-2005, 12:24 AM
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pagefault pagefault is offline
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As far as I can tell, if you're not Fareway, you're a scrub.

You really ought to have insurance, though. One lawsuit and you're through. Not just your business, you. 1 year worth of liability insurance costs less than a 21" mower.
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  #14  
Old 06-20-2005, 12:47 AM
drmiller100 drmiller100 is offline
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Join Date: Jul 2004
Location: McCall Idaho
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there is no license here in idaho for lawncare.

go to the state and get a dba. at the bottom of this page is the dba app.
http://www.commerce.utah.gov/cor/CorpDBA.htm

then call your insurance agent. tell him you are starting a lawn business and want insurance. either they do business insurance, or they will refer you to someone who will.

when they ask you how long you have been doing it, say 4 years.

in idaho the proprietor doesn't have to pay workers comp. but pay it for all your subs and employees because a broken window might hurt you, but a broken person will cost you a LOT of money. if you pay for teh workers comp, a broken person will be taken care of. I paid workers comp before i had liability insurance. now i have both.

hope this helps.
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  #15  
Old 06-20-2005, 02:37 PM
sooner74 sooner74 is offline
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thank you for the information, I was half expecting criticism but got useful information, especially the website. I will give my insurance agent a call.
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  #16  
Old 06-20-2005, 05:39 PM
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SodKing SodKing is offline
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Location: New Hampshire
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Quote:
Originally Posted by sooner74
thank you for the information, I was half expecting criticism but got useful information, especially the website. I will give my insurance agent a call.

Yes you are a scrub...When I started my company 14 years ago, the first thing I did was to incorporate and the second was to get insurance. This was before any clients were signed up or any sales calls had even been made.
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  #17  
Old 06-21-2005, 12:49 AM
drmiller100 drmiller100 is offline
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Location: McCall Idaho
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first thing i did was buy a mower.



incorporating for a small business is an unneeded expense for most folks. A simple LLC has almost all the benefits, without most of the headaches.

just MHO.
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  #18  
Old 06-21-2005, 06:33 AM
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SodKing SodKing is offline
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Costs are about the same. Since my company also was dealing with pesticides, and I sit on the board of all the other family companies, we wanted to further insulate my personal financials and the companies.

Buying the mower was the last thing I did.
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  #19  
Old 06-21-2005, 11:27 AM
William J. L. William J. L. is offline
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Lo Baller? booo
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  #20  
Old 06-23-2005, 10:30 AM
topsites topsites is offline
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scrub is a derogatory term, or an insult.
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