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guys without insurance

Discussion in 'Business Fundamentals' started by dieselpusher, Dec 4, 2006.

  1. dieselpusher

    dieselpusher Senior Member
    Messages: 208

    how do you do it?
  2. mcwlandscaping

    mcwlandscaping 2000 Club Member
    Messages: 2,557

    no choice.......sucks, if i could get insured for what im doing right now at age 16, i would in a heartbeat. for the time being, i just do my absolute best to not lowball and stay competetive, so that way, when i do get insured, i am where i need to be.
  3. LLM Ann Arbor

    LLM Ann Arbor Senior Member
    Messages: 876

    I wouldn't do this work or Lawn Care uninsured if you paid me.
  4. firelwn82

    firelwn82 PlowSite.com Addict
    Messages: 1,861

    You will get caught with your pants down if you don't have it. Maybe not now but it will happen.
  5. ECS

    ECS Senior Member
    Messages: 485

    Do you pay taxes on it?
  6. popov_plow

    popov_plow Junior Member
    Messages: 13

    just keep it small and watch yourself is all I can say.
  7. Mick

    Mick PlowSite.com Veteran
    from Maine
    Messages: 5,546

    Be very careful if you do not carry General Liability insurance. You may not have a vehicle policy in effect. It works like this:

    If your insurance policy is for "personal use" (ie: regular vehicle insurance) and you have an accident, your policy may not pay the claim (yours or the other vehicle's) if they find out you are using it to plow for money as this is considered commercial use. Some policies will allow you to have a plow on the truck for your own use (your driveway) as long as you are between the residence shown on the policy as your home and the nearest gas station. Some policies may not allow a plow on the vehicle on public streets at all.

    Another tactic that I know for a fact is that some insurance companies will not allow a commercial vehicle policy without a General Liability policy also being in effect. I asked my agent about this and the company I'm with will not issue a Commercial Vehicle insurance policy without concurrent GL insurance. The reasoning for this is that if there is a claim, they will try to get the GL to assume financial responsibility. By requiring it, then if you do not have GL, they have a basis for denying the claim.