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input on what to do next

Discussion in 'Starting a Lawn Care Business' started by witty, Apr 9, 2008.

  1. witty

    witty LawnSite Member
    Messages: 4

    hi everyone, i just registered my new landscaping business name. however, now im looking into purchasing business insurance. i dont know much about insurance so i need some advice on what to get as far as (general liability, umbrella, etc.). i would also like to know the average cost it may run me if u know. my business mostly pertains to landscape design/hardscaping. in addition, i also will be conducting snow plowing in the off season.

    2) my second question is that i have to trucks that i would like to register under commercial plates, does anyone know what kind of paperwork i need as far registering for commercial and how may i go about doing so? any input would be greatly appreciated.

  2. Paulup

    Paulup LawnSite Senior Member
    Messages: 270

    1.) This is going to vary greatly. Insurance companies look at everything, and since you have no prior experience most will assume you are a higher risk. I've seen people on here claim they get 1mil liability/2mil aggregate for $245 a year, and I've seen some complain about paying $700+, so shop around. Be careful about including "Landscape Design" in anything you say. If you are not a licensed Landscape Architect(at least in Louisiana) you cannot use the words design or designer when you talk about your own landscape work. General rule for liability insurance is to "get as much as you can afford" but most people on this site run 1-2mil.

    2.) Contact your local DMV, they should be able to square you away in a hurry. Ok, its the DMV, so it won't be in a hurry, but you get the idea.

    3.) Try the search function, most of this stuff has been hashed over dozens of times.
  3. lsu03

    lsu03 LawnSite Senior Member
    Messages: 370

    paulup. in LA, starting up with $1,000,000 cost on average, how much should i expect? also, is state farm or farm bureau good?
  4. Paulup

    Paulup LawnSite Senior Member
    Messages: 270

    Are you 18 yet lsu? If not, you're parents would need to do it. I'm getting insured next week most likely, so im gonna post my full findings so we stop getting 3 insurance posts a day on here.
  5. lsu03

    lsu03 LawnSite Senior Member
    Messages: 370

    i'm almost 16 so yeah i guess my parents would have to get it for me.
  6. Enzo

    Enzo LawnSite Member
    Messages: 86

    I pay $2800 a year for insurance which includes anything if I damage my equipment, $1 Million Liabilty if I damage a property like a window or something, Plowing insurance, trailer insurance and something else but I cant remember.
  7. kyle39

    kyle39 LawnSite Member
    Messages: 33

    I just signed up for 1 million per occurance. 2 million aggregate. 5000 for medical. 350 Dollars a year. 100 bucks to start then pay quarterly.

    Also ask about additional insureds. My guy does not charge for them some do.
  8. Paulup

    Paulup LawnSite Senior Member
    Messages: 270

    To the original poster, i forgot to mention what Enzo showed. Insuring your equipment, as well as snow plowing, is more expensive then just general liability for you're average lawn care professional.
  9. witty

    witty LawnSite Member
    Messages: 4

    thanks for your input paulup, greatly appreciate it. i have to check here in nj about that whole "landscape design" thing you mentioned. i am curious to find out about that.

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