Register free!


Reply
 
Thread Tools   Display Modes
  #21  
Old 06-09-2012, 07:51 PM
Patriot Services's Avatar
Patriot Services Patriot Services is online now
LawnSite Fanatic
 
Join Date: Jul 2006
Location: Tampa FL
Posts: 8,782
Way too much. I assume your in florida? Call Bearwise in Orlando. They will get you a 1mil/2mil aggregate policy from Travelers for a little over 200. Can't do much better than that.
Reply With Quote
  #22  
Old 06-09-2012, 08:05 PM
mjlcare2's Avatar
mjlcare2 mjlcare2 is offline
LawnSite Member
 
Join Date: Apr 2011
Location: Orlando, Fl
Posts: 205
Quote:
Originally Posted by Landscape Poet View Post
Devils advocate here I must admit, but if the guy is just mowing lawns....what are the chances that he will ever get brought into a lawsuit for more than what a basic liability package would cover him for?

I carry liability and have since start up since the cost in min. even for what I carry, but the fact is that in reality if I am just mowing lawns there is a limited amount of damage you can do (with the exception of something getting thrown out of the mower situation and hitting a small child that everyone likes to bring up.)
What if you(or and employee) hit a water main, spicket on the side of the house, etc and flood the house and ruin the house and all belongings. Someone in the house dies, etc, etc, I'm sure that would lead to a lawsuit.. Too many "what ifs" to not have insurance up to the gills! I have seen the flooded house situation before, not me, but too bad for the family that cared more about getting their lawn cut for $15 then hiring a profesional.
Reply With Quote
  #23  
Old 06-09-2012, 08:07 PM
mjlcare2's Avatar
mjlcare2 mjlcare2 is offline
LawnSite Member
 
Join Date: Apr 2011
Location: Orlando, Fl
Posts: 205
Quote:
Originally Posted by FLAhaulboy View Post
"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.
That doesn't sound right.. show us some proof if you don't mind.. I'm curious
Reply With Quote
  #24  
Old 06-09-2012, 08:19 PM
kickingrassllc kickingrassllc is offline
LawnSite Member
 
Join Date: Oct 2011
Posts: 3
Quote:
Originally Posted by Patriot Services View Post
Way too much. I assume your in florida? Call Bearwise in Orlando. They will get you a 1mil/2mil aggregate policy from Travelers for a little over 200. Can't do much better than that.
yes south florida.

i tried a couple places and all were 600 and up

will give them a call first thing monday morning, thanks so much
Reply With Quote
  #25  
Old 06-09-2012, 09:41 PM
Johnagain's Avatar
Johnagain Johnagain is online now
LawnSite Senior Member
 
Join Date: Oct 2008
Location: Altoona, Florida
Posts: 369
Quote:
Originally Posted by kickingrassllc View Post
yes south florida.

i tried a couple places and all were 600 and up

will give them a call first thing monday morning, thanks so much
Talk to Dawn at Bearwise. Went to get insurance from them 2 years ago and found out I went to high school with her after we met each other in the office. I paid right around $240 a year. Equipment coverage is about 5 times that price for about $60,000 of equipment.
Reply With Quote
  #26  
Old 06-10-2012, 12:05 AM
zturncutter's Avatar
zturncutter zturncutter is offline
LawnSite Bronze Member
 
Join Date: Feb 2003
Location: Interior South Florida
Posts: 1,242
Travelers, through Black Bear Insurance Agency. Dawn Bennett. 1 million, 2 million aggregate. Around $450.00 per year. 866-296-2327. Cost is going to depend on your payroll.
__________________
ZTurnCutter
Reply With Quote
  #27  
Old 06-10-2012, 02:06 PM
Landscape Poet's Avatar
Landscape Poet Landscape Poet is offline
LawnSite Gold Member
 
Join Date: Apr 2009
Location: Oviedo/Orlando
Posts: 3,532
Quote:
Originally Posted by mjlcare2 View Post
What if you(or and employee) hit a water main, spicket on the side of the house, etc and flood the house and ruin the house and all belongings. Someone in the house dies, etc, etc, I'm sure that would lead to a lawsuit.. Too many "what ifs" to not have insurance up to the gills! I have seen the flooded house situation before, not me, but too bad for the family that cared more about getting their lawn cut for $15 then hiring a profesional.
Valid point for sure, like I said I have always carried insurance but it sure does seem like a waste every year when I pay that bill. But with that said I just got done reading a thread on here about a guy that had already broken two windows this year! Seriously makes me wonder what the heck they care doing.

The worst thing that I have had happen was my rear tire caught a 90 copper pipe going into the home. Broke it and of course with it being copper I did not have supplies to fix. Got lucky as construction was going on across the street. I shut the water off at the street, informed the customer, got one of the construction guys across the street to fix for 100 bucks. That is the only property damage that I have ever encountered so far, maybe I am getting lucky I don't know.
__________________
"the art of survival is a story that never ends"

Providing Lawn Services, Landscape Installations and Solutions and Sod Services in the Oviedo Florida Market

If you aspire to a six-figure income, don't get advice from someone making $18,000 a year!
Reply With Quote
  #28  
Old 06-10-2012, 02:09 PM
Landscape Poet's Avatar
Landscape Poet Landscape Poet is offline
LawnSite Gold Member
 
Join Date: Apr 2009
Location: Oviedo/Orlando
Posts: 3,532
Quote:
Originally Posted by zturncutter View Post
Cost is going to depend on your payroll.
Payroll will play a part for sure , also if you have your equipment covered or not. One thing the person questioning insurance may want to think about is equipment coverage, if you are operating out of house, and if it should catch fire, your equipment most likely will not be covered by your home owners policy. It might be true for your storage facility too if off property. IMHO it is better to ensure that your way of making money is protected.
__________________
"the art of survival is a story that never ends"

Providing Lawn Services, Landscape Installations and Solutions and Sod Services in the Oviedo Florida Market

If you aspire to a six-figure income, don't get advice from someone making $18,000 a year!
Reply With Quote
  #29  
Old 06-10-2012, 06:33 PM
mjlcare2's Avatar
mjlcare2 mjlcare2 is offline
LawnSite Member
 
Join Date: Apr 2011
Location: Orlando, Fl
Posts: 205
Quote:
Originally Posted by Patriot Services View Post
Way too much. I assume your in florida? Call Bearwise in Orlando. They will get you a 1mil/2mil aggregate policy from Travelers for a little over 200. Can't do much better than that.
I don't see how anybody is getting a 1mil/2mil aggregate policy for around $200.. I think we pay closer to $1200 for ours with additional policy for the extra 2 mil required by a few of our contracts.. and this is from Dawn at Bearwise with policy's through Travelers and Southern.. So am I getting ripped or what? If you all are getting it for around $200, Guess I'm gonna be calling Dawn on Monday and start bitching
Reply With Quote
  #30  
Old 06-10-2012, 06:46 PM
Landscape Poet's Avatar
Landscape Poet Landscape Poet is offline
LawnSite Gold Member
 
Join Date: Apr 2009
Location: Oviedo/Orlando
Posts: 3,532
Quote:
Originally Posted by mjlcare2 View Post
I don't see how anybody is getting a 1mil/2mil aggregate policy for around $200.. I think we pay closer to $1200 for ours with additional policy for the extra 2 mil required by a few of our contracts.. and this is from Dawn at Bearwise with policy's through Travelers and Southern.. So am I getting ripped or what? If you all are getting it for around $200, Guess I'm gonna be calling Dawn on Monday and start bitching
I pay more than the $1200 for Travelers, but not by much and it includes equipment. Again your payroll will affect your outcome...solo ops are going to pay less than those with employees. I am not sure how the heck they are getting it for that price either though as I did not have that price when I was solo either, but again I had my equipment covered then too.
__________________
"the art of survival is a story that never ends"

Providing Lawn Services, Landscape Installations and Solutions and Sod Services in the Oviedo Florida Market

If you aspire to a six-figure income, don't get advice from someone making $18,000 a year!
Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump





Powered by vBulletin® Version 3.8.6
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Copyright ©1998 - 2012, LawnSite.comô - Moose River Media
All times are GMT -4. The time now is 06:41 AM.

Page generated in 0.08397 seconds with 7 queries