Customer Asking for Insurance

Discussion in 'Business Operations' started by Steve, Feb 19, 2018.

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  1. Steve

    Steve LawnSite Bronze Member
    Male, from NE FL
    Messages: 1,551

    If a customer ask if you are insured and wants proof, do you just give them the policy number and phone number to contact? Will the insurance co tell them how much coverage I have?
     
  2. jc1

    jc1 LawnSite Silver Member
    Messages: 2,402

    Ask your agent for a certificate so you have one to show people. No big deal, actually you should have one on file just for these situations.
     
    snomaha, hort101 and Steve like this.
  3. gcbailey

    gcbailey LawnSite Silver Member
    from WV
    Messages: 2,976

    Keep all your licenses and coverage on file with you at all times. Depending on locale you can get fined if you cannot provide proof of coverage even if you are covered.

    Could be a homeowner who's had a run in with a shady contractor in the past and got stuck for a liability claim.
     
  4. rclawn

    rclawn LawnSite Senior Member
    Messages: 660

    I have a certificate from Liberty Mutual that states my policy number, as well as details on coverages and amounts. I just email them a copy but do keep hard copies in my truck as well for the old people.
     
    Mow-Daddy.com and firecutgrass like this.
  5. Matthews Lawn Care

    Matthews Lawn Care LawnSite Bronze Member
    Messages: 1,787

    Tell you agent you need a COI sent to your customer. You can keep them on hand if you choose to. I just send my agent an e-mail with the customers info and they have a copy in minutes.
     
    Ijustwantausername and Steve like this.
  6. La Chandler

    La Chandler LawnSite Member
    Messages: 144

    Totally agree with this. However, I would inquire why the question and keep my guard up.
     
  7. Steve

    Steve LawnSite Bronze Member
    Male, from NE FL
    Messages: 1,551

    What are some red flags?
     
  8. rclawn

    rclawn LawnSite Senior Member
    Messages: 660

    I never really have many ask, as I provide the copy as a PDF along with my proposal/ estimate via email.
     
  9. code54

    code54 LawnSite Member
    Messages: 94

    Don't blame a customer at all. Had a contractor get me once. He had an insurance card - turned out he canceled it after getting it and I didn't verify it. Wont make that mistake ever again!
     
  10. La Chandler

    La Chandler LawnSite Member
    Messages: 144

    Most business advertise they are both bonded and insured. If a prospective client also wants proof, either they don't trust your word or are extremely careful, and perhaps litigious. A definite red flag. The church requires a hard copy of insurance, but then that is a commercial account worth tens of thousands of dollars.
     

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