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Liscensed And Insured!

Discussion in 'Business Operations' started by GreenMachine102, Sep 22, 2003.

  1. GreenMachine102

    GreenMachine102 LawnSite Member
    Messages: 219

    I current;y am not insured or liscensed, but I want/need to be, so how do I go about doing it?

    I don't know anything about insurance, need some help!:dizzy:
  2. Scraper

    Scraper LawnSite Bronze Member
    Messages: 1,656

    Go to the Yellow pages under insurance and call a few....personally I go thru Nationwide.
  3. Sauls1686

    Sauls1686 LawnSite Member
    Messages: 171

    Can u be insured but not liscensed?
  4. bobbygedd

    bobbygedd LawnSite Fanatic
    from NJ
    Messages: 10,178

    u can have mine, im about to cancel them both, and save the $4000 a year
  5. narly1_2000

    narly1_2000 LawnSite Member
    Messages: 101

    go with whoever you have your homeowners insurance and or vehickle insurance.. Im in the electric biz and liability is only around 450 a year . workers comp will kill you though
  6. lawnagent

    lawnagent LawnSite Senior Member
    Messages: 531

    That is what I did. I got my liablility through my homeowners insurance carrier. I also got a LITTLE BITTY discount for doing both through the same place.
  7. Jimbo

    Jimbo LawnSite Bronze Member
    Messages: 1,093

    Yes you can be insured but not licensed
  8. jlewis

    jlewis LawnSite Member
    Messages: 140

    In york, PA you do not have to be licensed unless you are into landscaping. Go to www.state.pa.us
  9. polecat63

    polecat63 LawnSite Silver Member
    Messages: 2,655

    Dang Bobby, you must reck alot of stuff to have insurance that high.:D
  10. bobbygedd

    bobbygedd LawnSite Fanatic
    from NJ
    Messages: 10,178

    2 trucks @$1150 each./pest +business liability@900/pest license and "credits" to keep it current@ around $700. i been thinking, maybe its worth not having ins and pest license, ill tell u why: if i cancel them now, in 3 yrs ill save like 12 grand. now, even if i get into a little fender bender, ill have to pay out of pocket, like say $1000, im still ahead $13000. now, if i get caught applying pest without a permit, its an $800 fine, im still way ahead of the game. it could quite possibly be well worth the risk.

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