best lawn mower under 1500 image
richsmithr
business details: not trying to make a living just make some extra money, say i eventually do 20K a year. not landscaping, just mowing, trimming, hedges, weed eating and garden tilling if needed.
lets say my retired father in law wants to come along and help, not a full time job just giving me a hand on a big job, throw him $40-$50 on a job here and there.
**if you are actually an insurance agent can i see coverage and a quote to my email
what if my mower throws a rock threw a $2000 bay window?
or
what if while mowing i get attached by ground bees and have to be hospitalized for 2 days(that happened to a friend of mine)
or
while push mowing i step in a whole and break a leg?
i'm not real sure i'm just starting to look into the details of a mowing business.
Answer
Liability only , no employees, no tree work, pesticide, or snow removal, will cost you about $1500 a year. I'm not sure about the tilling - technically, that's excavation work, and could cost you more (in case you hit a pipe, ya know?)
Once you hire your father in law, even part time, you need to buy workers compensation coverage for him - and that's another $1500 a year, minimum premium, auditable.
No, you cannot "see coverage" based on the extremely little information you provided, heck, you didn't even mention what STATE you are in; however, I'm fairly confident of these rates, in most states, for a start up, part time business.
Regarding a mower throwing a rock - that WOULD be covered under your general liability policy. Keep in mind, it's pretty common for a general liability policy on this type of business, to have a deductible - anywhere from $500 to $5000 per claim.
If YOU get injured or hurt, you would need your own health insurance and disability insurance to pay. As a sole proprietor, in most states, even if you bought workers comp, it wouldn't cover YOU. You will have to discuss this with a local agent, to get state specific information.
**The stone kicked up thing happens fairly often, with this kind of business. Other claims I've seen, are running over sprinkler heads and damaging the sprinkler system; hitting a water line while tilling; and of course, workers compensation injuries are very common.**
Liability only , no employees, no tree work, pesticide, or snow removal, will cost you about $1500 a year. I'm not sure about the tilling - technically, that's excavation work, and could cost you more (in case you hit a pipe, ya know?)
Once you hire your father in law, even part time, you need to buy workers compensation coverage for him - and that's another $1500 a year, minimum premium, auditable.
No, you cannot "see coverage" based on the extremely little information you provided, heck, you didn't even mention what STATE you are in; however, I'm fairly confident of these rates, in most states, for a start up, part time business.
Regarding a mower throwing a rock - that WOULD be covered under your general liability policy. Keep in mind, it's pretty common for a general liability policy on this type of business, to have a deductible - anywhere from $500 to $5000 per claim.
If YOU get injured or hurt, you would need your own health insurance and disability insurance to pay. As a sole proprietor, in most states, even if you bought workers comp, it wouldn't cover YOU. You will have to discuss this with a local agent, to get state specific information.
**The stone kicked up thing happens fairly often, with this kind of business. Other claims I've seen, are running over sprinkler heads and damaging the sprinkler system; hitting a water line while tilling; and of course, workers compensation injuries are very common.**
what lawn mower is best for me?
Cody C
i need to mow under one acre of land and the most towing we will do is with a trailer and a leaf sweeper and the trailer is only to haul brush around. thanks (: oh and we are trying to cut down on the price a little, but we want a new one that will last. we can spend $1500 at most.
Answer
I have two Sears tractors both with auto transmissions. I mow a couple of acres and also use a small trailer. Both tractors do a great job. I would recommend the Sears brand. Most all the rest are made by MTD not to say they are not good. Sears is made by AYP. You just have to look at all the choices in your price range and get the one that best suits your needs. Most have Briggs engines. While horsepower is good it may not be the most important thing. The quality of the engine is as important. Most of the time the tractor has plenty of power and lacks traction.
I have two Sears tractors both with auto transmissions. I mow a couple of acres and also use a small trailer. Both tractors do a great job. I would recommend the Sears brand. Most all the rest are made by MTD not to say they are not good. Sears is made by AYP. You just have to look at all the choices in your price range and get the one that best suits your needs. Most have Briggs engines. While horsepower is good it may not be the most important thing. The quality of the engine is as important. Most of the time the tractor has plenty of power and lacks traction.
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