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.**
Insurance for small lawn care business/powerwashing needed? along with any permits,taxletters licenses needed?
Edgar
I'm 16 years and cut a few yards here and there, along with some powerwashing.
The only things I do are clean up yard,rake leaves,yard,blow etc.
As for powerwashing, just powerwash sidewalkes or driveways.
I'm really great at what I do and people love my services. I live In Carrollton,Tx by the way.
My questions are....
Do I need any type of license or permits to run these services? If so, can you tell me which ones please! Please keep in mind that I'm Limeted to certain things because of my age.
Also, I feel my small business is growing and I want to do everything legally. What tax forms do I need? And can someone give me a rough estimate of how much liability insurance will cost? Nothing has happened, but I'd rather be prepared. So please, if you would basically be able to give me all legal information including everything from tax forms,to how to manage them, to the actual insurance. Please include house cleaning services too. This is only a son and mother thing and will certainly not expand beyond that. 2 mowers,basic equipmenf,powerwash, and thats it. I know this question will take a lot of time...but I will greatly appreciate the best answer! Extra advice will be great! Thank you so much :)
Answer
1. In TX, you probably do NOT need any type of license or permit. Not in Houston, anyway, where I live.
2. You will have to have a parent help you with tax forms - as a minor, you cannot file your own.
3. If you have no employees, if it's ONLY you, then your liability is covered under your parent's homeowners/renters insurance, most likely. Call their agent and ask. Otherwise, a "stand alone" liability policy for a landscape/mower, no tree trimming, is probably going to run you around $1500 a year - UP FRONT.
House cleaning is DIFFERENT than landscaping - and if your mother is cleaning houses, it will probably double the price.
1. In TX, you probably do NOT need any type of license or permit. Not in Houston, anyway, where I live.
2. You will have to have a parent help you with tax forms - as a minor, you cannot file your own.
3. If you have no employees, if it's ONLY you, then your liability is covered under your parent's homeowners/renters insurance, most likely. Call their agent and ask. Otherwise, a "stand alone" liability policy for a landscape/mower, no tree trimming, is probably going to run you around $1500 a year - UP FRONT.
House cleaning is DIFFERENT than landscaping - and if your mother is cleaning houses, it will probably double the price.
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