Do I really need "slip and fall" insurance?

[blazer2plower]

I'm going to say YES if anything just general liability that way if any would fall you keep all of your equipment. But I'm not a lawyer just my. .2¢

[kg26]

I agree Insurance is a big deal however I am just starting mostly doing resi side walks and driveways walkways using shovels and I just got the old blower working yesterday how would I afford a $4000/year policy ?

[grandview]

Originally Posted by kg26

I agree Insurance is a big deal however I am just starting mostly doing resi side walks and driveways walkways using shovels and I just got the old blower working yesterday how would I afford a $4000/year policy ?

A lot less then the doctor and lawyer bill.

[blazer2plower]

One knee replacement is $49503.00 you might look at 500,000 not. Mill and my insurance is 2500 a year. 4k seams high. Shop around.

[Antlerart06]

Originally Posted by sn95vert

On my contract, I specifically state I am not responsible for slip and falls.. There are contracts online you can find that are very specific on what is covered. or you can pay your lawyer 200 for a full in depth contract.

This how all my contacts read This best way to go at it I paid my Lawyer To write it
Its held up many times in court Slip and Fall Falls on the property owner thats why they buy Insurance for the property

[JimMarshall]

Just because they can't take your property when they sue your LLC doesnt mean that they cant take it when they sue you personally.

[mpriester]

Originally Posted by JimMarshall

Just because they can't take your property when they sue your LLC doesnt mean that they cant take it when they sue you personally.

Agreed and that is what will happen without insurance.

[JimMarshall]

Originally Posted by mpriester

Agreed and that is what will happen without insurance.

Firm believer you can never have too much insurance. Some guys crap themselves when they hear our policy limits.

[Ben/Insurance]

If you are removing snow and getting paid for it, you need general liability insurance. We get lots of trip/fall claims for our snow removal clients due (mostly) to no fault of their own and the defense costs alone are staggering. Our clients are required to have it otherwise they will not get the contract and they cannot present a hold harmless or indemnification agreement to their customer as they will not sign it and they will lose the contract. The cost of the insurance needs to be built into your overhead costs and needs to be included in your proposal to your customer. To reduce the cost of the insurance , take a large deductible (that you are comfortable with). If you use subs, have them sign a hold harmless agreement and make sure they list you as "additional insured" on their GL insurance. Good luck.
Ben/Insurance