Insurance for a start

Discussion in 'Starting a Lawn Care Business' started by SpfdTurfMasters, Jun 10, 2007.

  1. SpfdTurfMasters

    SpfdTurfMasters LawnSite Member
    from MO
    Posts: 25

    I am hoping to start mowing this summer and hopefully get a decent amount of clients for next year. The first thing that came to mind was insurance, I dont want to be screwed if I were to break a window or something. The thing is that Im only 15, turn 16 in August, and I dont even know if I can get insurance. How would I go about getting just liability type insurance for if I did break something? What might I expect to pay? Thanks in advance for any help.
     
  2. SpfdTurfMasters

    SpfdTurfMasters LawnSite Member
    from MO
    Posts: 25

    Also do I need to have a license of some kind? How would I get that?
     
  3. dougmartin2003

    dougmartin2003 LawnSite Senior Member
    Posts: 337

    im from north missouri and i have a $500,000 general liability coverage and it runs me $315 per year. as far as license, to be legal you will need at least a general contractors license, wich is about $35- $50 per year.check with you nearest city hall and they will hook you up. im not sure at your age that you can get a license, but they will let you know
     
  4. SpfdTurfMasters

    SpfdTurfMasters LawnSite Member
    from MO
    Posts: 25

    Anyone else? Thanks for the help doug
     
  5. dougmartin2003

    dougmartin2003 LawnSite Senior Member
    Posts: 337

    no problem
     
  6. Midwest Lawn Services

    Midwest Lawn Services LawnSite Member
    Posts: 211

    Thats some cheap insurance you ahve there! Wish mine was that low. I pay 789 a year for general liability, but it includes tree service as well, which raises it some. Who's your insurance company?
     
  7. SpfdTurfMasters

    SpfdTurfMasters LawnSite Member
    from MO
    Posts: 25

    Bump




    10 char
     
  8. JoshC

    JoshC LawnSite Member
    Posts: 92

    For me $1 million in general liability was about $250. My biggest problem was that I didn't have any credit established at the time (I'm 19). My truck and mower were in my dad's name even though I was actually the one making the payments. Everything else I bought was paid for in cash. For some reason I needed to have a good credit rating to get insurance. That still doesn't make sense to me:confused: . So my insurance is in my name as well as my dad's.
     
  9. SpfdTurfMasters

    SpfdTurfMasters LawnSite Member
    from MO
    Posts: 25

    So as a 15 year old could I get insurance and a g.c. license???? I just want to make sure I start my business the right and true way.
     
  10. Stillwater

    Stillwater LawnSite Platinum Member
    Posts: 4,806

    You got a serious deal on your insurence ! !
     

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