Questions about Insurance

[rlowande]

Questions about Insurance
Hello I am vary GREEN just starting in this type of work I will be mowing, light lanscaping & some tree removle. What do I need in the line of insurance I know I need liabilily, vehicle & equipment Insc. but what else do I need> Do I need workmans comp or is that just for my benifit. I had a customer ask me what I had in case I got hurt on thier property so thay don't get sued. Any input on this stuff would be appresiated. It is time to start advertising and I would like to show insurance to promote business + I need to be covered Rick

 

[Team Gopher]

Hi Rlowande,

Here is a post that may help you gain more insight.

16 most common questions answered.

 

[twins_lawn_care]

Hey Rick,
Welcome to Lawnsite.
Where in Illinois are you located if you don't mind me asking?

As far as insurance, I's plan on the worst, and hope for the best. Lots of commercial expect 1 mil/2 mil coverage. Check around for rates, if you're small like me, you can get a fairly cheap rate for the year.

Good luck with the business, and get ready on that advertising, the green is almost here!

 

[sodzilla]

We are a partnership with no employees so we don't need workmans comp. My agent said if we had it, it would be around $6,000 a year. So we just make it a point note to get hurt. My liability ins. with pesticide coverage is $540 a year. That is for a $1,000,000 policy. If you are going to apply pesticdes you need to be licensed. This also includes if you just spray round up on weeds in the sidewalk. Here in WI we don't need a license to apply fertilizer but all states are different so do your homework.

Also when checking on insurance uses an independant agent that works with several insures. The big companies like American Family and Allstate do not insure lawn care companies.