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insurance question

Discussion in 'Business Operations' started by casey humphrey, Jan 24, 2012.

  1. casey humphrey

    casey humphrey LawnSite Member
    Messages: 196

    I am a very small out fit looking to get some insurance. I am solo guy so I won't need work comp yet. how much should a guy get? What is the standerd in the lawn care biz for a solo guy?
  2. lawn care St. Cloud  MN

    lawn care St. Cloud MN LawnSite Member
    Messages: 56

    Insurance is a must for having any kind of business. The minimum insurance you should carry is a 1,000,000 policy which every company will require. Once you start working for service management or larger companies they will require 2,000,000 policies and up such as umbrella policies. I just got done working with a company last week who wanted a 4,000,000 umbrella policy for additional insurance. These issues make it hard for the small solo guy to keep work because insurance requirements are getting so important to people and companies. The common insurance limit to start out when I started a lawn care business in the St. Cloud, MN area was 1,000,000.

    LawnXperts St. Cloud, MNhttp://www.saintcloudlawncare.com

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