Has liability insurance ever saved your behind?

Discussion in 'General Industry Discussions' started by K.Carothers, Jan 25, 2006.

  1. K.Carothers

    K.Carothers LawnSite Bronze Member
    Messages: 1,124

    I was wondering if any LCO had an insurance claim under their liability policy?
    I have not, but I think those that have should share their experience. This way, LCO's without it can read real life stories and how it saved your behind.


  2. kickin sum grass

    kickin sum grass LawnSite Senior Member
    Messages: 628

    just one, slid into a building during snow removal (hill). cracked a few bricks and bent down spout. I tried to fix it myself but the manager insisted on insurance.
    I could have done what they did for about 100 bucks, not sure the cost to repair it as I never heard from my ins company.
    I was lucky, Anybody without it would be a fool. Its not unlike many accidents to be sued for a cool mil. I know I don't have that laying around.
  3. bobbygedd

    bobbygedd LawnSite Fanatic
    from NJ
    Messages: 10,178

    no. ins is one of the biggest scams in america today. to date i've paid roughly $25,000 in liability insurence. i put in only 2 claims, one for $1,000, and another for $450. you do the math
  4. KeystoneLawn&Landscaping

    KeystoneLawn&Landscaping LawnSite Senior Member
    Messages: 774

    Liability isnt for the little claims. In my opionion Im paying for the ,and lets hope it never happens, big event. For example, say ya throw a rock from a mower or blower and take out a persons eye. I know its a bit of a stretch, but stranger things have happened. Even if you carry a million liability, for that scenario, it may not be enough.
  5. DFW Area Landscaper

    DFW Area Landscaper LawnSite Silver Member
    from DFW, TX
    Messages: 2,116

    Do a search. There is an interesting story in another thread about a guy who was insured. His client didn't realize he was insured. He threw a rock and cracked a window pane on a sliding glass door. The customer was very cool and was gonna let him get it fixed. Somehow, he made the mistake of mentioning that he had insurance for this sort of thing. Next thing you know, she is ready to lawyer up, he lost a client that he would have otherwise been able to keep happy and a $300 window was now $4,000 worth of damages.

    For that very reason, I no longer advertise "We are insured for your protection".

    To answer your question, no, I have never filed a claim with my GL insurance. That is over the course of three years in this business and about $5,500 worth of premiums. Twice we have caused gas leaks by hitting gas meters too hard with the mowers. Both times the gas company fixed those leaks for free. Once we hit a water spicket and caused a leak that cost us $110 to repair. Once we cut a phone line because we failed to call before we dug but the phone company fixed it for free and I still don't know why. That is all the damage we have caused in three years excluding sprinkler and landscape lighting systems.

    I have NEVER read about anyone who had real damages here on LawnSite that couldn't have been paid out of pocket and I have been on LS pretty steady for the last 3 years.

    I don't think anyone on LS can post a true story about the time their GL policy saved them from having to pay over $3,000 in damages. There might be a story here or there where they had a $1,000 claim but those are few and far between.

    I pay way more than I like to for GL w/Hartford because it is required for pesticide apps but I do believe it is the biggest screwing since switched long distance and slamming.

    DFW Area Landscaper
  6. Jason Rose

    Jason Rose LawnSite Fanatic
    Messages: 5,858

    DFW, I never thought of liability insurance that way... But then again I'm not a crook like so many are these days! I think that's something good to think about (from the story). Liability insurance should be your "silent partner" and not used as a selling point to get customers.

    Personally I always thought having it was something to brag about. But the more sue crazy people get the more advertising it may just attract the money hungry crazies. "Hey, you got tire tracks on my concrete, I now have to replace the concrete to get rid of them, tell your insurance to cough up 20 grand"

    I have never made a claim on my liability insurance. I don't really want too. I have heard tales that once you do, plan on getting dropped, and then finding a new carrier can be double the price.
  7. procut

    procut LawnSite Bronze Member
    Messages: 1,852

    Never had a claim. The only advantage my GL has ever given me was that it is 'required' for a couple of my biggest accounts, thus without it I wouldn't be able to service them.

    RRHAMMONS LawnSite Member
    Messages: 142

    In Kentucky, you must have one million dollar policy to bid for state jobs. I had a friend in the construction business whom just about lost everything he had because a sub-contractors employee was injured and the sub-contractor did no have any insurance. It's very important to have liability. My policy only cost $600 per year with coverage for 23,000 in employee wages.
  9. AL Inc

    AL Inc LawnSite Bronze Member
    Messages: 1,209

    I'll say this, I agreed with Bobby for a long time that that money was better spent elsewhwere. Without going into much detail, right now I'm facing a wrongful death lawsuit that arose out of an accident that one of my workers had on his way to work. Not my time, not my vehicle, I wasn't even there. My insurance company is picking up the tab. I'll keep paying my premiums. Because even if I'm found to have fault here, I still would have had to pay this attorney out of my pocket to defend myself. No, thanks. If you're a gambling man, that's fine, I would rather keep my house.

    JKOOPERS LawnSite Bronze Member
    Messages: 1,259

    the only thing i had happen was a broken sliding glass door , cost me $450 i just called a glass co when i left the customers house and they had it fixed that day . my insurance agent told me not to advertise fully insured or insured for your protection .

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