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new guy

Discussion in 'Introduce Yourself to the Community' started by turftamer, Oct 14, 2007.

  1. turftamer

    turftamer Junior Member
    Messages: 17

    hello, what kind of insurance do i need for snow plowing ,im only going to be doing drivewayswesport :drinkup:
     
  2. powerjoke

    powerjoke PlowSite.com Addict
    Messages: 1,341

    surely you have ins. for your lawn mowing and, any other buisness action is covered as long as secondary work does not exceed %10 of primary, but i would think gen. liab. and maybe work comp.

    but regardless weather you have or don't have go talk to a INSURANCE MAN take what you are told here or any where with a grain of salt,(no pun intended) Unless somebody is a PROFESIONAL and willing to stand up for you in COURT,

    Isurance is a evil necesaty, you have to have it regardless of what scale you are workin on
     
  3. SnoFarmer

    SnoFarmer PlowSite Fanatic
    from N,E. MN
    Messages: 8,541

    It does not matter what or where you plow if you are for hire, plow for money, or plow anywhere that is not your property you will need commercial liability insurance. Make sure the words snow plowing, snow removal are listed in it or you are not covered.
    Call your agent tomorrow morning.
     
    Last edited: Oct 14, 2007
  4. BladeScapes

    BladeScapes Junior Member
    Messages: 12

    This is my first season plowing. I got a 1,000,000 dollar general liability insurance policy. The monthly payments aren't bad, and It keeps your butt covered.


    98 Ford F150 4x4
    Meyer ST 7'5''
     
  5. Mick

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

    I'll second SnoFarmer - you will need General Liability listing "snowplowing" as an activity. You also need to have snowplowing shown on your Commercial Vehicle insurance.

    Of course, though, I probably don't know what I'm talking about.
     
  6. basher

    basher PlowSite Fanatic
    from 19707
    Messages: 8,992

    reread the preceding posts, take them to heart. Failing to do so could cost you everything you own!
     
  7. turftamer

    turftamer Junior Member
    Messages: 17

    snow

    do i have to register my f150 as a commercial truck
     
  8. Mick

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

    Are you going to use it in a commercial activity - such as plowing snow for compensation? What does your state law say?
     
  9. turftamer

    turftamer Junior Member
    Messages: 17

    just going to do some driveways this winter to make some cash,if it goes good ill go full bore on it next seasonwesport
     
  10. SnoFarmer

    SnoFarmer PlowSite Fanatic
    from N,E. MN
    Messages: 8,541

    residential drives, if you plow residential drives you need insurance.

    Do not get caught up in terminology.

    commercial work is ANY
    work that you do for money be it a residential drive, a Bank, a factory lot etc etc....
    Ps. you could even do it for free but if you do not own the property you will still need insurance.

    I doesn't sound like you are listening to anything you are told!wesport
     
  11. turftamer

    turftamer Junior Member
    Messages: 17

    I Was Talking About The Truck Does It Need Commercial Tags And Registation I Know About The Insurance Now
     
    Last edited by a moderator: Oct 15, 2007
  12. SnoFarmer

    SnoFarmer PlowSite Fanatic
    from N,E. MN
    Messages: 8,541

    figure it out your self thenwesport wesport :dizzy:
    you need to spend money before you can earn beer money........
     
    Last edited by a moderator: Oct 15, 2007
  13. Mick

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

  14. turftamer

    turftamer Junior Member
    Messages: 17

    thanks i feel realy smart now:confused:
     
  15. Mick

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

    Ok. You might mean that as a facetious remark, but figure that you ARE smarter than you were before you started this thread. I'm not sure what the "confused" smiley is about.
     
  16. JD Dave

    JD Dave PlowSite Fanatic
    Messages: 11,046

    I think he was trying to figure out Snofarmer's response, not yours Mick. Also he's wondering how worth while plowing a few driveway's will be after all of the expense's. The first couple of years are always the hardest and if you do things the right way you will be on your way to a profitable buisiness. Good Luck
     
  17. turftamer

    turftamer Junior Member
    Messages: 17

    thanks for your help guys this is all new to me i can tame the turf now i got to see if i can push the snow ,sick of doing nothing in the winter old lady says i get fat and i drink to much in the winter, i really think its her way of telling me go make more $$$$$$$
     
  18. Chris-R

    Chris-R Senior Member
    Messages: 321

    Turftamer, the guys are right. You need insurance for anything you do except for your own driveway. In addition, you may want to form a limited liability company or something similar for your snow removal business. That will make it even more difficult for the $$$ hungry slip & fall people to get you. Don't expect to make any money the first year as the expenses of starting up will be more than your gross income. If you stay in the business, eventually you will make money. Browse these forums and you will get lots of good info. Good luck.
     
  19. midnightrodeo

    midnightrodeo Junior Member
    Messages: 15

    turftamer-- If I were you I would form a business for snow removal and get all the proper insurance. Because if you don't and you damage somebody else's property then you will have to pay for the damages. Also, see if you can sub for some companies in your area until you learn how everything is done, before you go out on your own. Good Luck!!