What to do about my insurance?

Discussion in 'Starting a Lawn Care Business' started by buffalonick, Jan 3, 2010.

  1. buffalonick

    buffalonick LawnSite Member
    Posts: 213

    I wanna start looking for insurance soon and have a big dilemma, my current auto insurance is through allstate and and i and my grandmother are under the same insurance policy and she is the main driver and i am the secondary....may sound crazy but she is 89 and has great credit, and it has been that way since i was 16, i am now 21, it is just less expensive that way she gets great discounts and we havent had a claim that they paid on since i was 18. Havent had a ticket in over 2 years.

    My question is, is there a way to go under a seperate insurance plan that doesnt cover my truck? That way i can keep the great auto rate and get my own insurance rate? I dont know how high my business insurance will be currently my premiums on auto are around $1000 a year, do most of your guys's insurance include auto on it? along with that 1 million liability?
     
  2. SangerLawn

    SangerLawn LawnSite Senior Member
    from indiana
    Posts: 736

    I don’t have an explanation for all your questions however I will tell you that if you’re in business you need to get off her insurance. If something were to happen you grandmother could be held liable.

    Here is an example.

    My cousin owns a crane service. He was running his office out of his mother’s house. He has full insurance for his business. He was putting an ac unit on a building and accidentally knocked one of the workers off the building.

    In the law suit they went after my cousin’s mother. She was in no way shape nor form involved with my cousin’s business but because he ran an office out of her house she was involved in the law suit.

    Just imagine if your doing business in a vehicle that is covered under your grandmother’s insurance and something happens.

    Personal life and business are 2 completely different things. Being in business means you are a professional and because of that the penalties are much worse.
     
  3. buffalonick

    buffalonick LawnSite Member
    Posts: 213

    Yea thats what i was thinking, I suppose the best thing is for me to go to my allstate agent and see what they have to offer me.
     
  4. SangerLawn

    SangerLawn LawnSite Senior Member
    from indiana
    Posts: 736

    By the way….business insurance does not cover you vehicle. Call you insurance company and ask about utility insurance
     
  5. buffalonick

    buffalonick LawnSite Member
    Posts: 213

    Actually i dont think i can get her off my auto insurance, my truck is financed and she is on the loan and the registration too cuz of this. Is it possible to get liability insurance for the business on my own and still be covered?
     
  6. M&B LAWN CARE

    M&B LAWN CARE LawnSite Member
    Posts: 121

    my truck insurance is in with my business insurance i pay 1264.00 a year for everything 2mil coverage on the business and 1mil on my auto. so you can get your truck covered under your business insurance.
     
  7. ED'S LAWNCARE

    ED'S LAWNCARE LawnSite Senior Member
    Posts: 361

    My truck ins and my bus ins are on two seperate policies with two different agencies.
     
  8. SangerLawn

    SangerLawn LawnSite Senior Member
    from indiana
    Posts: 736

    You better call your agent on that one. This only means you are covered while driving but you are not covered if you are using your truck for work…hard to explain but like snow plowing…nope….using truck to pull bushes out of the ground…nope…..you need utility insurance that is separate from business insurance

    Atleast this is how my agent explained it to me???? maybe im the one being screwed lol
     
  9. M&B LAWN CARE

    M&B LAWN CARE LawnSite Member
    Posts: 121

    i will definetly check on that i might be getting screwed..lol thanks for the advice.. they told me that is was just like normal insurace but for commercial.
     
  10. BearWise Landscapers

    BearWise Landscapers LawnSite Senior Member
    Posts: 456

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