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  #11  
Old 07-19-2003, 03:52 AM
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Green Pastures Green Pastures is offline
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  #12  
Old 07-19-2003, 04:02 AM
Rustic Goat Rustic Goat is offline
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Location: Shreveport,La.
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stxkyboy,
This is not meant as a put down, your age says a lot about why you're making such flippant remarks about insurance.
I don't remember reading any post that "brags" about how much insurance they have, just stating facts.
Do you own your own home, car, equipment, family to support, bills that YOU are responsible for, taxes, licenses, etc.
What does your Dad being a doctor have to do with anything?

Insurance is just one of those necessary evils if you will, better to have it than face the possible consequences.
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  #13  
Old 07-19-2003, 04:21 AM
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KirbysLawn KirbysLawn is offline
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Location: Just east of Charlotte, NC
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Green Pastures, I could'nt have said it better.

While the above answered it best I ask...why not?
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  #14  
Old 07-19-2003, 06:37 PM
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tiedeman tiedeman is offline
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Quote:
Originally posted by drobson
If your married it makes no difference who's name the house is under. The only way to do it would be to put it in someone's name that is not related. Also, in some states it must have been transfered greater than 5 years or it can still be attached (unless it's an actual sale).

As an additional security measure, everyone should file for the Homestead act on their house. It will put protection on your home for up to 300K in the event you get sued. Check it out online, you can sign up for it at your registry of deeds.
very true. It's just like you credit history. Once you get married both of you effect each others credit.
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  #15  
Old 07-19-2003, 06:50 PM
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65hoss 65hoss is offline
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Location: Memphis, TN
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As above stated, you can pay forever if you lose a lawsuit. Not just what money you have now.

Best reason for me is to sleep at night. My policy is a $2mil general liability. I wouldn't go out in the morning without it.
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  #16  
Old 07-19-2003, 07:33 PM
Turf Medic Turf Medic is offline
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Join Date: Apr 2003
Location: Lincoln NE
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Quote:
Originally posted by Rustic Goat
What does your Dad being a doctor have to do with anything?

I think that he is implying that his dad a doctor has chosen to put his property in his wife's name instead of having malpractice insurance. Wish my doctor was set up like that, NOT!
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  #17  
Old 07-19-2003, 08:17 PM
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stxkyboy stxkyboy is offline
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Location: cincinnati oh
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Of couyrse my dad has malpractice insuarance. If putting the house under a different name doesnt help then why does every doctor do it. Oh wait i forgot u guys can all afford to hire lawyers to tell you that it doesnt work.
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  #18  
Old 07-20-2003, 09:19 PM
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jrc lawncare jrc lawncare is offline
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Join Date: Jan 2003
Location: upstate ny
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I can't imagine being without contractors liability insurance in this business. Your mower kickes out a stone, takes out someones window in their house or car, or , at the very worst, god forbid, takes out some little kids eye, you will surely lose your ---. It protects your interests, and also, if you own a house as I do, you won't lose your house. As hoss already said, I also sleep better.
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  #19  
Old 07-20-2003, 09:30 PM
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pcnservices pcnservices is offline
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Join Date: Jul 2003
Location: Beatrice, NE
Posts: 616
My question to you is - how do you want to build a professional lawn care business without being properly insured?

You definetly needs insurance especially when you work with commercial contracts. You will not get the bid unless you can show proof of insurance.

Face it - "s**t happens". Dont tell yourself it will never happen to me. I had an accident once - a small rock (picked up by the string trimmer) went through a window at a school bldg., $750 later my insurance paid my damages for me. And this was a small accident.

People will buy your services if you are professionally lisenced and insured. That shows them that you do care about your own business and reputation as well as your client's interests.
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  #20  
Old 07-21-2003, 03:20 AM
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Mykster Mykster is offline
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Location: Arlington, WA
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Protection.
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