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New to plowing

Discussion in 'Introduce Yourself to the Community' started by farmerkev, Dec 6, 2007.

  1. farmerkev

    farmerkev Senior Member
    Messages: 847

    Hello everybody, I am 16 and want to get started in plowing. I have a lawnmowing buissiness, (only residentioal as of now) and I am buying a truck in summer/fall if nothing comes up first. I have my eyes on a Chevy Z71. I would like a Western 8.5 MVP poly plow, but money will be an issue I think. How does insurance work? I know I have a few jobs I could get without insurance from years of lawnmowing. I have a friend who could use his ATV in residential areas. I have no clue where to start and would like some advice. I live in MN so plenty of snow.
     
  2. iceyman

    iceyman 2000 Club Member
    Messages: 2,536


    dont plow without insurance. when you accidentlty hit someones car or house they and you will wish you had insurance. dont be stupid.
     
  3. Mick

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

    Best advise is this: If you can't afford insurance, you can't afford to plow snow. You might start out shoveling or using a snowblower. Have you got lawn customers you could use the blower on their sidewalks or driveways? Market yourself as offering year round lawn service. Good way to get started and earn some money till you're ready to get a truck and plow.
     
  4. farmerkev

    farmerkev Senior Member
    Messages: 847

    My mom had 20 yrs in insurance so could help me with that and knows people. Affording it won,t be the problem, I hope to pay it with what I earn plowing and hopefully still make a profit. How old do you need to be to get plowing insurance, and what is an estimated cost? And Mick, I do already do snow shoveling and have a JD TRS21, not the biggest, but gets the job done, but next year I want to get into the REAL snow removal buissiness. I also want the truck to help with transportation of the lawnmowing equipment in the summer.
     
    Last edited: Dec 6, 2007
  5. Mick

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

    Your mother could help you on the insurance end, then. You'll need Commercial Vehicle and General Liability. The first covers the truck while plowing. The second covers any claims arising from "completed operations" - commonly referred to as "slip and fall". That's not really all it covers, but is kind of a shorthand description. Getting either is very expensive, if not impossible, for someone under 21. Not sure what your mother "knowing people" has to do with it.
     
  6. dfdsuperduty

    dfdsuperduty Senior Member
    Messages: 597

    farmerkev check out american family i was just quoted 468 i know i posted the exact dollar amount in another thread shop around also check with your agent and see if while your plowing your reg auto insurance would cover you due to the area that you live in. I have in writting and signed by my agent that they will cover any "accidents" that happen while i am plowing due to the region that I live in. Just a thought
     
  7. AbsoluteH&L

    AbsoluteH&L Senior Member
    Messages: 573

    If you want to get into the "REAL snow removal business" , then you will need REAL insurance! Otherwise you will be labeled a lowballing hack as others have on here that say they don't need insurance. Sorry to be so harsh, but it's true! Dude your a kid still, Go enjoy being a kid and go chase some skirt!:nod:
     
  8. farmerkev

    farmerkev Senior Member
    Messages: 847

    Mick, I posted that in the wrong way, she knows who to talk to from her years in the insurance buisseness, I will not be getting any special treatment.

    Absolute H&L, I do want REAL insurance, so I may have so stick with my own driveway for a few years. It also might be a strech to get a plow by next winter. I know I am still a kid, but I have always been much different than my friends and have fun in different ways (like wanting to plow). I think I became interested from watching my neighbor plow with a loader and riding in a city dump truck plow with my brother who drives one.About the skirt chasing, Im still to unsure about asking out the girl I like, even though I know she likes me, maybe after Christmas. Wish me luck!
     
  9. 94 Jeep

    94 Jeep Junior Member
    from chicago
    Messages: 13

    Im the same way im about to turn 18 but i've wanted to plow since i knew i was getting my lisence. Different than me because i chased the one i like. GO FOR IT!!!!!!
     
  10. occ3377

    occ3377 Member
    Messages: 69

    toatally off topic, but where do you live in minnesota?
     
  11. farmerkev

    farmerkev Senior Member
    Messages: 847

    Saint Paul. But I want to move out to the country.
     
  12. dfdsuperduty

    dfdsuperduty Senior Member
    Messages: 597

    Oh i forgot to mention that the 468 per yr was for my 1mil gen liability ins
     
  13. KGRlandscapeing

    KGRlandscapeing 2000 Club Member
    Messages: 2,660

    off topic girls r bad and if u get married young and she cleans u out that would suck for ur little company. on the other girls can be good always there to anoyy and well love u. for insurance purposes dont hit ANYTHING dont speed dont well do anything bad and ur rates wont be so bad. but my commercial insurance is cheaper them my other was because they shrink the radius its sopposed to go because its a company truck.
     
  14. Mick

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

    Always prioritize:

    Girls first; Snow second. Girls can go with you out plowing or shovel. Let the girl get away, you're just out of luck. Let the snow get away, it'll always be back.
     
  15. farmerkev

    farmerkev Senior Member
    Messages: 847

    I have another question for this thread.
    I was reading threads on here about young guys like me wanting to plow NOW. I let my lawn buissiness wither down to a few customers, I want to get a truck, start lawn buissiness up and hopefully get snow accounts from them, then next winter hire my buddy and his ATV and maybe get a new snowthrower just to do residential. Ill wait a good year or two to plow I dont think I can be insured till im 18 and insurance is VERY IMPORTANT (do I need to be 18?). But in the other threads, it sounds like if you are hired as a subcontracter, the employers insurance covers you. If this is the case I could start a year earlier.
     
  16. big bird

    big bird Senior Member
    Messages: 119

    i think you have to be over 18 :realmad:
     
  17. Brant'sLawnCare

    Brant'sLawnCare PlowSite.com Addict
    Messages: 1,752

    I'm 18, and I have all the necessary insurance. My agent was from American Family. He was real nice, and he gave a lot of good insights. If your 16, just get a blower or 2 and start out that way. That's what I did. Just make sure that when you price the jobs, price them high enough, so that when you start plowing them, they won't get mad about the price increase if it's only like 5 bucks or something.
     
  18. farmerkev

    farmerkev Senior Member
    Messages: 847

    Thats what I thought. I do want to get another snowblower, but plowing can wait for now. Do you need extra insurace for an ATV. I would haul it on a trailer and my buddy who owns it would get to do the fun part. Hopefully with money I earn, I can get that nice Western V plow.:redbounce
     
  19. newbe

    newbe Junior Member
    Messages: 1

    Want to get started!

    Hey guys, I bought my truck when I started sub-contracting my own HVAC work I now work for HVAC where i do not need the vehicule i can't really sell it for what i owe, i hate to have the payment and have it sitting in the driveway, i've been contemplating doing a few plowing jobs for extra cash maybe to afford the truck payment but don't really have the extra cash to buy a new plow any body know of a good deal on a complete set that would fit a '03 chev k1500 4x4 or do any places offer lease or rent of the equipment for the season etc... any thoughts? thank you!
     
  20. Mark13

    Mark13 PlowSite Fanatic
    Messages: 5,734

    If you put an 8.5ft mvp on a k1500 its not going to last long. I would put an 8ft straight at most on a half ton truck. I'm not sure what an 8.5 v plow weights but its got to be pushing 850lbs on the light side. If your mind is set on that plow, look into a 3/4ton or a 1 ton truck.
    Off topic, but where in WI are you?