Lawn care business insurance agent requires 3 years of experience?

It’s odd at times the barriers you come upon when you are new to being an entrepreneur. The thing about being new is that you don’t know what is a standard industry practice and what is absolute nonsense. Here is a great discussion from the Gopher Lawn Care Business Forum that shows how you can be mislead by an insurance agent. In this case, mislead to the point that it might effect your decision to ultimately get started or not.

One lawn care business owner wrote “I have been crunching the numbers to see if I can swing a lawn care business. So far so good. I went to speak with my insurance agent today to get a quote for business liability insurance. The agent told me he can’t even consider insuring me without at least 3 yrs experience. Being this is my first year, any problems I can avoid in the beginning, will only make things better down the road.

So my question is how does a new guy get started legally if no one will cover him?”

A second lawn care business owner said “it’s time to find another insurance agent. At least for your business needs. Down here in my state (Florida), for a $1,000,000 liability insurance policy it runs about $700 a year. Insurance for equipment will depends on how much you need to insure them for.

You need to check around for lawn care business liability insurance rates.

What he told you may be correct for the underwriter they use but that is not an industry standard, you can get insurance. I bet if you go online and type in ‘small business insurance’ +Your State, you will come up with about 10 or more local insurance companies. Make some calls from the list of them and see what they have to offer you along with a price.

A third business owner said “I have a $1 million liability insurance policy for $478 a year. I never had any problems getting coverage. I started my mowing business three years ago, and I didn’t have a hard time getting coverage. When it comes to insurance companies, all they want is money. I only have liability insurance.

My car is covered is from another insurer, where I get a better deal, since I have my home insurance with them, my life insurance, and my bike insurance. You need to look around. You might find a better deal with your current home owners insurer or you might not, you just don’t know until you compare.”

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