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licenses and insurance

Discussion in 'Network: North' started by lanceslawncare, Nov 10, 2003.

  1. lanceslawncare

    lanceslawncare LawnSite Member
    Posts: 9

    getting into the biz next year and wanted to know what type of insurance i would need and maybe what the usuall amount of coverage should be as well as if i should get a license if it is needed at all and where to start the process?

    thanx
     
  2. tennissippi

    tennissippi LawnSite Member
    from zone 7b
    Posts: 77

    Don't operate a business without insurance...period! Suppose you hurt someone or damaged the property. You''ll get slaped with a huge lawsuit you probally can't afford and lose everything you own. Get a $1,000,000 general liabiliy policy. They aren't as expensive as you might think...just shop around. If you plan on doing contract work, get a bond.
     
  3. 2BladeRunners

    2BladeRunners LawnSite Member
    Posts: 35

    We are starting up for 2004 also, been working on all the little details for a while now. I was able to get my vehicle & business insurance through Hastings Mutual. 2M liability plus replacement coverage on all our equipment runs about $200 per month. I wouldn't dream of cutting my neighbor's lawn without it. We've signed several half million homes. They all have expensive toys in the driveway when we were bidding. If you are planning on bidding commercial most will require at least 1M general liability.

    Good Luck!
     
  4. ArchiesLawns

    ArchiesLawns LawnSite Member
    from Alabama
    Posts: 124

    Does anyone have any company names for insurance (name and number)? I would really like to compare my policy with another company to see what the difference would be. Any information would be appreciated.

    Thanks
     
  5. DECLEGG

    DECLEGG LawnSite Member
    Posts: 2

    WHO SO YOU NEED TO CONTACT TO GET A REGISTERED NAME AND HOW DO YOU SO THIS?
     

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