I'll probably here it for this ?

Discussion in 'Lawn Mowing' started by lawndreamer, Jun 23, 2003.

  1. lawndreamer

    lawndreamer LawnSite Member
    Messages: 54

    With only mowing one account and just landed a small tree removal. I haven't acquired Insurance yet. I do plan to get it I don't like being on anyones property without it. I want to remove this small tree no way I can tear anything up. Not even the yard because tree is so small. Customer wants something stating he isn't liable for any damages or Injuries resulting from tree coming down. He wants something simple but does the Job. Anyone have anything they can email me they have used, or advise how I should write something up? For you all that want to attack me with the scrub, word listen. I intend to get insurance as soon as possible, I have even told every person that has a lco that not to change unless they are unsatisfied. My prices are competitive. Minimum is $25.00 so I'm not here to undercut only get my share and provide quality job. Thanks and please reply soon I need something by Thursday 6/26
  2. Turf Medic

    Turf Medic LawnSite Bronze Member
    Messages: 1,073

    Run by your local full service office supply ie Office Max, Office Depot, or Staples. They more than likely will have something that will work for what you want. They usually have all kinds of contracts available, that are applicable for you locale. You may have to search through them to find the one that you need, you are looking for some sort of waiver of liability agreement.

    Better to get the insurance, but we all do what we have to do to get started. Take the money you get on this job to get the insurance, better yet get the customer to advance you for the job, go buy the insurance before you start, then you can both be protected in case you damage something or someone.
  3. grassdaddy

    grassdaddy LawnSite Senior Member
    Messages: 565

    You got to get some liability ins.Its cheap if your sole ownership.I paid 70.00 down 33.44 a month for 300,000worth.Thats not the cheapest ive heard of either.:)
  4. FrankenScagMachines

    FrankenScagMachines LawnSite Platinum Member
    from IN
    Messages: 4,739

    I got $1 million liability for $56.75 first payment (paid at setup) and approximately the same amount quarterly (every 3 months). Never done tree work and my ins. probably does not even cover that...
  5. Green in Idaho

    Green in Idaho LawnSite Senior Member
    from Idaho
    Messages: 833

    What is your idea of a "small tree"?

    For one account and one tree or even a couple it's not worth paying insurance. It's not worth playing in the field if you are not qualified and insured to do it all the time.

    That is like your buddy saying, "come help me cut this tree down and I'll pay you in pizza and beer. By the way, do you have something in writing that releases me from liability if this falls on the neighbor kids skipping by while you cut it?"

    If homeowner is worried about some damage, there must be some risk there, right. Either don't do it without insurance OR get insurance and get in the biz full-time to make it worth while.
  6. DLCS

    DLCS LawnSite Platinum Member
    Messages: 4,386

    I could be wrong but if you do any kind of tree work, the premiums will be significantly higher. Tree work falls under a higher risk catagory.
  7. drobson

    drobson LawnSite Member
    Messages: 237

    My insurance covers tree work up to 25'. This is at no extra charge from the landscaping insurance, but does not cover excavation.

    I seem to be typing this same statement quite often lately, but here goes again. Keep in mind that insurance prices vary greatly by location. Some of you are saying that insurance is very cheap, but for me $1200 per year is as cheap as it gets around here. And some places will charge you over $2000 per year. That is for 300K. I pay quarterly premiums of $315. So dont' go by the quotes you get from people that are not in your area and then be blown away by the quote you get from your agent.
  8. Frank2

    Frank2 LawnSite Member
    Messages: 102

    I would not give that guy anything in writing stating that I am liable if anything happens. If a customer wants a copy of my insurance declaration page, I will be glad to provide, but putting something in writing saying you are liable right off the bat is asking for trouble. If the customer insists on having this, I would pass on that job. Their will be others. Good luck.
  9. teeca

    teeca LawnSite Bronze Member
    Messages: 1,202

    very well said! tell the guy to do it him self! there's more to the story than were being told. as for the insurance, my liability is cheap, but when it comes to tree work, hang on, it's arbor time! i might trim small schrubs and branches i can touch standing on the ground, but thats it (for now anyway).
  10. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Messages: 8,745

    I would first get some insurance, if you can't do that then I wouldn't remove the tree. Explain to him that you can't and that he should hire in an insured professional

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