Liability Insurance in FL

Discussion in 'Florida Lawn Care Forum' started by panzafit, Mar 29, 2011.

  1. panzafit

    panzafit LawnSite Member
    Posts: 4

    My husband has started his own lawn business and just got his occupational license. He named the business with his name in it so he didn't have to pay any extra. Now we are looking for liability insurance. We heard about LLC but were not sure if we had to go the LLC route or general liability......does anyone know the answer to this?

    Also other than occupational license and some sort of liability insurance is there anything else that is needed?
     
  2. unkownfl

    unkownfl LawnSite Gold Member
    Posts: 3,838

    General Liability is what you need no matter what business entity you have. LLC INC Sole Proprietorship is a business entity. You need a business tax recipe for every county you wish to service with a business tax recipe for every town/city as well. A business tax recipe is what you get instead of an occupational license. You also need to register on SUNBIZ.org your business name even as a sole proprietorship. You don't need insurance for most lawn care in Florida. You can't apply anything to anything besides straight FERT no weed and feed round up etc. You need a sales tax recipe if you plan on selling mulch/sod etc. He needs to call 811 if he plans to put a shovel in the ground period three business days before putting the shovel in the ground. Not doing all of that will result into serious fines and every city, county and the state has enforcement and they are all hard up for money with budget cuts. You must notify your car insurance company that you're using the vehicle for business use or they will deny your claim if something happens. Also I recommend to up your insurance limits to at least 100/300/100 with a name brand company.
     
  3. FLAhaulboy

    FLAhaulboy LawnSite Senior Member
    Posts: 852

    "He needs to call 811 if he plans to put a shovel in the ground period three business days before putting the shovel in the ground. Not doing all of that will result into serious fines and every city, county and the state has enforcement and they are all hard up for money with budget cuts."


    Not true for NW Florida.
     
  4. yamadooski

    yamadooski LawnSite Senior Member
    Posts: 434

    What is a "tax recipe"?:confused:
     
  5. unkownfl

    unkownfl LawnSite Gold Member
    Posts: 3,838

  6. unkownfl

    unkownfl LawnSite Gold Member
    Posts: 3,838

    lol receipt
     
  7. zturncutter

    zturncutter LawnSite Bronze Member
    Posts: 1,308

    Take some time and some money and go speak to a certified public accountant. Advice is like anything else, you get what you pay for.
     
  8. jbannick18

    jbannick18 LawnSite Senior Member
    Posts: 490

    If you own assets outside of your business such as a house your are going to want to go LLC as far as setting up your company. This way if a lawsuit were to be filed against you they could not come after your personal assets
     
  9. jvanvliet

    jvanvliet LawnSite Gold Member
    Posts: 3,939


    Tax Recipi:

    2 + 2 add a dash of accounting; cook books for 30 minutes = whatever you want it to be for tax purposes
     
  10. jvanvliet

    jvanvliet LawnSite Gold Member
    Posts: 3,939

    If the OP needs a liability insurance resource, My wifes company sells it (she's not the agent so she gets no commission)
     

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