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  #11  
Old 11-03-2011, 01:55 PM
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mnglocker mnglocker is offline
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I think that was sarcasm on JD's part.

Just think what would happen if you took out the eye of a trial lawyer, or a doctor? They'll sue for lost income, emotional damage, physical pain and suffering etc...

If your insurance policy isn't enough to satisfy them, they'll sue up and beyond your coverage. When the insurance company has 2+ million on the line to lose if they don't lawyer you up well, they'll fight on your behalf allot harder.
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  #12  
Old 11-03-2011, 01:58 PM
JDiepstra JDiepstra is offline
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Quote:
Originally Posted by mnglocker View Post
I think that was sarcasm on JD's part.

Just think what would happen if you took out the eye of a trial lawyer, or a doctor? They'll sue for lost income, emotional damage, physical pain and suffering etc...

If your insurance policy isn't enough to satisfy them, they'll sue up and beyond your coverage. When the insurance company has 2+ million on the line to lose if they don't lawyer you up well, they'll fight on your behalf allot harder.
Honestly, I was not. Call me wreckless but I honestly think that as a solo owner operator I am not going to be doing more than $1 million in damage. If I see someone in the area I make dang sure to turn my mower so that the discharge is not facing them and I stop and wait til they are gone to start mowing again. Our job isn't rocket science.
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  #13  
Old 11-03-2011, 02:08 PM
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mnglocker mnglocker is offline
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Quote:
Originally Posted by JDiepstra View Post
Honestly, I was not. Call me wreckless but I honestly think that as a solo owner operator I am not going to be doing more than $1 million in damage. If I see someone in the area I make dang sure to turn my mower so that the discharge is not facing them and I stop and wait til they are gone to start mowing again. Our job isn't rocket science.
I agree on the not being wreckless part. I've never had to make a claim yet. (knock on wood) But when Murphy comes a knocking, he'll surely kick you in the nuts and the policy price doesn't jump all that much.

I spend $475 a year for 2 million of coverage and all my equipment. That's Cheap in my book.
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  #14  
Old 11-03-2011, 02:33 PM
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Patriot Services Patriot Services is online now
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A personal injury lawsuit against you and you will see exactly how far a million doesn't go. Remember the 6 million self spilled cup of coffee lawsuit?
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  #15  
Old 11-04-2011, 11:32 AM
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mnglocker mnglocker is offline
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A personal injury lawsuit against you and you will see exactly how far a million doesn't go. Remember the 6 million self spilled cup of coffee lawsuit?
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Exactly. This is also why I don't offer coffee.
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  #16  
Old 11-04-2011, 01:51 PM
ralph02813 ralph02813 is offline
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1 million is kind of a standard for commrcial businesses. You may not need it, but what is the difference in cost of 1/2 mil for a million.
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  #17  
Old 11-04-2011, 10:52 PM
moneyclass moneyclass is offline
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Originally Posted by JDiepstra View Post
I have 1 million but I think it is WAY overkill. What in God's name am I going to need 1 million in insurance to cover? I'm not going to be killing anyone or blowing their eyes out with rocks or anything like that. Some people may disagree, but I work with safety in mind.
I agree. Im also new and everyone is saying get atleast 1 million of insurance. I really dont understand why I would need that. If i break a window or whatever its not gonna cost that much to replace. Maybe im not seeing it but can someone open up my eyes of why you carry so much?
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  #18  
Old 11-06-2011, 06:51 AM
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GMLC GMLC is offline
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The price difference between 500k and 1 mil coverage is like $60 at my agent! And if my memory serves me some of the people who just claimed they don't operate wrecklessly don't use trimmer or mower shields as mentioned in other threads. Get real, accidents happen and 1 million is not a lot of money today especially with personal injury.
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  #19  
Old 11-06-2011, 06:25 PM
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BBC.lawn.services BBC.lawn.services is offline
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you never know when someones dog is going to walk around the corner right on your weed eater...

$400 isn't much to pay to be protected.
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  #20  
Old 11-06-2011, 07:49 PM
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cpllawncare cpllawncare is offline
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1 million is required here in order to get your pesticide liscense, I just need to know where you guys are getting your insurance so cheap at?
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