Advertise Insurance/scare Tactics

Discussion in 'Lawn Mowing' started by afftandem, Mar 2, 2005.

  1. afftandem

    afftandem LawnSite Member
    Posts: 196

    Read on here somewhere about a local kid who was mowing a neighbors lawn (using the neighbors riding mower) turned it over on himself (messed him up real bad)... Family sued for over 3mil.. lost their house, marriage broke up, etc....

    I notice on flyers... usually says "insured".. but I think its not stressed enough. I was considering on my flyers this year placing in bold letters.


    then in a smaller explanation:

    allowing the uninsured onto your property puts your home at risk, you and you homeowners insurance is ultimately responsible for any damage they may cause, or any accidents that may occur to others or themselves. I carry $2 mil in liability insurance, and pay workmans comp. My paperwork is available to all of my customers.

    as far as reporting scrubs to the irs, its a waist of time... most states in lawnmowing, youre allowed to make a certain amount without doin taxes.. in ohio its $5k (which means they can get away with $10k probably)

    I was also considering putting a horror story, such as the one above attached to the flyer...

    Does anyone have any opinions on this for advertising???????????
    good idea or bad idea (and why?)
  2. ChadA

    ChadA LawnSite Senior Member
    Posts: 521

    Sounds a little drastic to me. It might be to much information. I know since buying my house 7 months ago I haven gotten hundreds upon hundreds of flyers and other forms of advertising. If it's something that will take more than a minute to read, it goes in the trash with the rest of them. You might try to put a bold headline in, something to grab there attention. It can't hurt to try it.
  3. GarPA

    GarPA LawnSite Silver Member
    from PA
    Posts: 2,585

    We have a footnote on all of our estimates, newsletters, invoices, etc that reads something like "ACME Landscape is unsured with XYZ Insurance Company for all business activities and proof of insurance is availalble upon request"

    Just my opinion but I would not "scare" them about hiring Joes Mow and Go who has no insurance. If I were the customer I would not care for being told not to hire a contractor who has no insurance.

    By just adding a similar footnote like we use, you have an advantage in the proposal process over I'd bet 40% of the yahoos who can't spell insurance let alone have any. By you saying you have ins and can prove it, you plant the seed in the customers mind that in some cases will make the customer ask the other company if they have ins and can prove it.
  4. slt40

    slt40 LawnSite Member
    from nc
    Posts: 30

    I know painters usually are, but I'm not quite sure how it differs from insurance. It is common to see licensed & bonded on advertisements for contractors in other fields.
  5. tonygreek

    tonygreek LawnSite Gold Member
    Posts: 3,446

    in no way would i use that tactic. not only is it a scare tactic, it's a blatant scare tactic that will be seen as such. educating the customer is one thing, which you should definitely do, but actually thinking of adding a story about little billy rolling his mower? seriously poor taste.

    ooops, just rechecked to see who the original poster was. i see it's you afftandem. since you're in dayton, as i am, hell yes do it. add a picture even. customer's love illustrative pictures. :)
  6. MarcSmith

    MarcSmith LawnSite Fanatic
    Posts: 7,157

    here is what I found after a few minutes on Webcrawler

    Bonded or Insured: What's the Difference?
    Release Date: 05/ 03/ 2004
    by Jeffrey Moses

    Do you know the difference between something that is bonded and something that is insured? The terms "bonded" and "insured" often are misunderstood. Both involve coverage for financial risk or loss, and in some instances there is little difference between the two. Still, it is important to know the difference when assessing your company's need to protect itself.

    Bonding usually refers to a type of surety guarantee that a specific project, service or act will be financially covered if performance is not complete or satisfactory.

    Examples would be projects or services involving construction, home health care, electrical contracting, real estate inspection, gardening services, delivery or moving services. Companies or individuals providing these services and others customarily secure a bond from a bonding company, assuring that if a customer's project is not completed or is not deemed to have been satisfactorily completed, the bonding company will reimburse the customer for financial loss.

    Some occurrences covered by bonding include noncompletion of a contracted project or service, cost overruns, not meeting schedule, unsatisfactory quality of work, damage to a customer's property while a project is underway or injury to customer's personnel during work.

    Some customers will not contract work out to companies or individuals that are not bonded. Large companies and government agencies usually require bonding for their contractors, and many service providers secure bonding for themselves to be eligible to compete for large projects. Often, even customers contracting relatively small jobs (such as home repair or gardening services) will not consider companies or individuals that are not bonded.

    Bonding companies charge according to the type and financial extent of risk. Most bonding companies have packages for certain types of businesses and are competitive in pricing and coverage. Policies vary, however, and it's wise to shop among competing companies.

    Many companies that provide bonds are insurance companies or insurance agencies. Some specialize in bonding, but that is not a guarantee that they are more experienced or offer better pricing than companies that provide both bonds and insurance.

    Insurance usually refers to a specific amount of financial coverage for risk to a tangible item, such as a building, car, boat, airplane or shipment of goods. Certain types of insurance, such as errors and omissions (E&O), are more like bonds because they provide financial protection for acts performed or not performed, in contrast to protection for risks to an item.

    When considering becoming bonded, talk with your bonding company, insurance agent or other financial advisers about any overlap of protection. There's no need to become bonded if you're already adequately covered by insurance. In some cases, it may be cost effective to reduce insurance coverage and become bonded, but decisions such as this can be made only after researching alternatives.
  7. bobbygedd

    bobbygedd LawnSite Fanatic
    from NJ
    Posts: 10,178

    i have news for you....just because i carry insurence, DOES NOT MEAN the homeowner is not liable if i get hurt on thier property.
  8. afftandem

    afftandem LawnSite Member
    Posts: 196

    understood bobby... do you pay your workmans comp... whole idea of workmans comp was to lower the lawsuits against companies and their employees if injured....

    are you saying youll sue your customer if you cut off a toe? roll over a mower??
  9. MarcSmith

    MarcSmith LawnSite Fanatic
    Posts: 7,157

    I'd never consider sueing a customer unless it was over non-payment....Of course there are off the wall situations....IE you have you back to the street while in their driveway blowing off the grass and they hit you with their car....I might consider some strongly worded letters to the HO's insurance company....Maybe the guy is cleanig his loaded gun and it goes off through a window and hits you....There could always be some odd-ball occurance that might force the issue, but thats why I'm insured as well....I figure I pay enough premiums let the insurance companies and lawyers battle it out....
  10. bobbygedd

    bobbygedd LawnSite Fanatic
    from NJ
    Posts: 10,178

    would i sue my customer? I'D SUE MY WIFE if it were profitable! would i sue a customer? sure, there are certain things the client is responsible for. an example was...a client had a huge boulder in his yard, positioned perfectly on the back part of a huge tree. you couldn't see the boulder until you got around the tree. well, he decided to have it moved, and did not notify us. i came around the tree, and fell into this hole left by the moved boulder. it jerked the mower out of my hand, and the way it happened, the mower almost came down into the hole right on top of my leg. if i got as much as a scratch from those blades, i would have sued him for everything i could have! what if a clients dog attacked you? AFTER i cut its head off and threw it on thier living room floor, i'd sue them!you are damn right i'd sue a customer, why wouldn't i? they have home owners insurence, don't they? many years ago, when we were getting aluminum siding put on, the contractor fell off of his own ladder and broke his ankle, he sued us!

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