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Insurance

Discussion in 'Starting a Lawn Care Business' started by JBNTX, Nov 7, 2003.

  1. JBNTX

    JBNTX LawnSite Member
    Posts: 6

    HOW IMPORTANT IS IT TO HAVE INSURANCE WHEN YOU FIRST START OUT.
     
  2. twins_lawn_care

    twins_lawn_care LawnSite Senior Member
    Posts: 932

    THE MOST IMPORTANT TIME!

    Not that any other time is less important, but if you just start out with no insurance, and have a large accident, it could cost you a fortune, from which you may never recover the losses.

    We just started in business this year, and I was just in a bad accident with our vehicle and equipment. Fortunately, we had insurance! If we did not have insurance, and even though the accident was completely none of our fault, we could be held liable, and stand to lose all we had invested, and more.

    I apologize for being so stressful on this, but I believe people will agree. Sure you can get by without it, but when something happens, don't come crying. This is your chance to do it right, and making the right decisions comes from common sense, maturity, and experience.

    My vote is to get insurance and get licensed before you plan to do any work, it will only help you in the long run!

    Good luck with the biz!

    Rob
     
  3. newleaflandscape

    newleaflandscape LawnSite Senior Member
    Posts: 348

    Dont even think about not getting insurance. If you cant afford to pay for the insurance in your first year of business when you dont have that much into your budget, you should not be in business. I would rather cancel anything but the insurance. And if you plan on being a professional company you have to get it. I would say more then fifty percent of my customers ask if I am insured. Dont be stupid
     
  4. TJLC

    TJLC LawnSite Bronze Member
    Posts: 1,308

    YES, YES,YES. This is ONE of the things that seperate the scrubs from the professionals, IMHO.
     
  5. JBNTX

    JBNTX LawnSite Member
    Posts: 6

    THANKS FOR THE ADVISE ON INSURANCE. ROB, YOU SAID GET A LICENSE. IN TEXAS THEY HAVE THIS COURSE YOU CAN TAKE TO BECOME A CERTIFIED LANDSCAPE TECHNICIAN I FOUND THIS AT WWW.TNLA.ORG IS THIS WHAT YOU ARE TALKING ABOUT?
     
  6. ladylawncare

    ladylawncare LawnSite Member
    Posts: 12

    Hey JBNTX Justa thought the web address you gave for texas
    is actually for the stat of tennesse(sp) Wont' help alot here
    In Texas you will need a structual pest license for each catagory
    you make application in for example lawn& ornamental and weeds are three seperate areas. To apply fertilizer and mow you do not need a license but can take a test and become a certified landscape contractor and will need to take continuing ed classes for all of these Structural Pest COntrol Board is in Austin I';m sure they have a web page.. And to get a commercial license you must provide proof of Insurance.
     
  7. JBNTX

    JBNTX LawnSite Member
    Posts: 6

    THANKS LADYLAWNCARE I MENT WWW.TXNLA.ORG I DON'T KNOW WHAT I WAS THINKING SORRY ABOUT THE CONFUSION.
    STRUCTUAL PEST LICENSE I'LL DO SOME RESERCH.
     
  8. Rustic Goat

    Rustic Goat LawnSite Bronze Member
    Posts: 1,194

    It doesn't matter how long you've been in business or if it's your first day, GET INSURANCE.
    The cost of an accident (which is why you have insurance) has the potential of wiping you out financially, it can even do so for years.
     
  9. Signature Services

    Signature Services LawnSite Member
    Posts: 43

    I think what Rob was also telling you is to get a business license from the community in which you will be working. Usually that's a very nominal fee.
     
  10. hustler1

    hustler1 LawnSite Member
    Posts: 77

    Hey Newleaflandscape.....what kind of license do we need in Michigan? And approx how much is insurance? Any suggestions for which company to use for a one man operation? Thanks much.. Glenn
     

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