Starting a company help

Discussion in 'Starting a Lawn Care Business' started by Grass kicker, Mar 26, 2013.

  1. Grass kicker

    Grass kicker LawnSite Member
    from MN
    Posts: 6

    Hey guys, new here to this forum Looking for a little guidance. I'm young and enjoy working from sun up to sun down and finally have all my own equipment I need to start my own thing on the side. The hardworking is not a problem for me, but I don't know where to start on the bussiness side. I have just a few clients now and I think it would be best to legitimize my own bussiness ASAP. My biggest concern is with liability, mainly sprinkler systems. As in should I purchase some kind of insurance first before a LLC or should I Have clients sign a waiver not making me responsible for any damage? If I have insurance would I need such a waiver? Personally I wouldn't want to sign a waiver like that to have my yard mowed. Please let me hear your opinion. Thanks alot
     
  2. zechstoker

    zechstoker LawnSite Senior Member
    Posts: 976

    Ultimately it's in your best interest to have all the proper licensing and insurance before your equipment touches another person's property. Say you get hired as a driver/delivery guy for a company. You gotta have a driver's license before they allow you behind the wheel of their company vehicle(s).
     
  3. Grass kicker

    Grass kicker LawnSite Member
    from MN
    Posts: 6

    Thanks for the input. I'm aiming for all licensing and insurance but unfortunately they all cost money and I can only do one at a time. My clients now are friends and family and understand I'm just starting out. So the first thing I want is to be sure that I can cover any damage that I could cause. (expecting worse case scenario, obviously hoping for nothing).
     
  4. lawnlandscape

    lawnlandscape LawnSite Senior Member
    from Midwest
    Posts: 780

    Considering Our Insainly High Coverage insurances costs us about 1% of our sales.......








    Get It.
     
  5. Darryl G

    Darryl G LawnSite Fanatic
    Posts: 8,033

    Sprinklers? They're the least of my concerns...easily fixed and they're not gonna sue you. Personal injury is a way bigger concern for me. If you can't afford to be insured you can't afford to pay for any personal injuries or property damage you might cause...get insured!
     
  6. would you sign a no damage waiver for someone to come on your property and do work. think about it.
     
  7. CreativeLawncareSolutions

    CreativeLawncareSolutions LawnSite Silver Member
    Posts: 2,025

    Liability insurance is cheap.
     
  8. Grass kicker

    Grass kicker LawnSite Member
    from MN
    Posts: 6

    Ok so my next question would be do I need to purchase some kind of bussiness license before a can buy liability insurance? Or can I buy liability before anything else?
     
  9. lawnlandscape

    lawnlandscape LawnSite Senior Member
    from Midwest
    Posts: 780

    I think you can just buy it. They want your business. I don't think the insurance company itself needs or even cares about the license. However, this questions is best for your insurance agent.
     
  10. Darryl G

    Darryl G LawnSite Fanatic
    Posts: 8,033

    You may have to shop around a bit for insurance. A lot of insurance companies want a minimum of 3 years of claims history before they will insure you and many want you to have experience in the business as well. I was able to convince my insurance company that my experience in another field was applicable experience. I'd suggest contacting an independent agent who can shop around with different underwriters for you. I was with National Grange Mutual at first and am with Peerless now.

    P.S. - If you're using your personal vehicle you will want to at least add a rider to that policy for business use. Otherwise if you have a claim while you're working it will likely be denied.
     

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