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Does being an LCO jeopordize your health insurance coverage?

Discussion in 'Starting a Lawn Care Business' started by zz4guy, Aug 28, 2007.

  1. zz4guy

    zz4guy LawnSite Senior Member
    Messages: 901

    I am a part time LCO and work another job/career as an engineer. I mainly do the lawn mowing for fun and some extra money. Bring in about $10k/yr.

    I'm worried that if the company I work for finds out I am doing some relatively dangerous things outside of work (dangerous compared to sitting in a cube all day), they will not cover me at all. Or at least not cover me when I hurt myself mowing.

    I'm surprised this issue hasn't come up before. It seems there are a lot of LCOs who work two jobs for the health insurance benefits. Or their spouse does.

    It doesnt seem like a company would want to insure some guy to go make money for himself in a dangerous job.

    Any thoughts on this?
  2. ExcaliburLawnCare

    ExcaliburLawnCare LawnSite Member
    from MI
    Messages: 54

    I never even thought about this...I have to look into it. It seems, however, that as long as you pay your premium you should be covered. At what point does a said lawn become too much for them to accept as normal weekly activity?
  3. cgaengineer

    cgaengineer LawnSite Fanatic
    Messages: 15,778

    I work at my my fathers engineering company and I am not sure about the insurance either. I am guessing as long as you pay your premium you should be fine. I will check into this.
  4. newz7151

    newz7151 LawnSite Silver Member
    from Tejas
    Messages: 2,419


    What's the name of the company you work for? I'd be willing to call them up and ask them for you.
  5. LushGreenLawn

    LushGreenLawn LawnSite Silver Member
    Messages: 2,120

    When I had health insurance through my full time job, and mowed part time, I scratched my cornea while mowing grass.

    My health insurance still covered it, and I told them it happened while mowing a customers lawn.

    I recent;y signed up with health insurance through the chamber of commerce, and my rate is no different based on the fact that I mow grass than if I had any other type of business
  6. ed2hess

    ed2hess LawnSite Fanatic
    Messages: 14,455

    I think you answered you own question.....Bobby(lawnsite expert no longer posting) once said everybody cheats a little bit and everybody on lawn site jumped on him, but this one wasn't discussed.
  7. lawnscapesLLC

    lawnscapesLLC LawnSite Member
    Messages: 113

    It all depends on the insurance carrier you have. I have had a few different carriers and and since I do alot of rock climbing, ice climbing, snowboarding, mountain biking etc I always ask if this stuff is covered and it always is, lawn mowing is as safe as sitting in a cube compared to my other hobbies, lol.

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