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Newbie... ANY ADVICE please

Discussion in 'Introduce Yourself to the Community' started by AFM Contracting, Oct 4, 2006.

  1. AFM Contracting

    AFM Contracting Member
    Messages: 92

    Hey guys, I just started this April doing lawn maintinence and I want to start plowing for some winter income. I have plowed for 2 years and I am comfortable with physically plowing, but Im lost as to how to get started with the business side.

    I am asuming my commercial truck insurance will cover plowing, and my contractors insurance will cover my liability (1,000,000). but will I have to call them and tell them I got a plow on the truck?

    What other legalities ect. do I need. Any advice / suggestions would be greatly appreciated.

    Thanks
     
  2. Flipper

    Flipper PlowSite.com Addict
    from CT
    Messages: 1,180

    Don't assumer anything with insurance. Alot of it varies from state to state. Talk to Mick on this site, he has heavily researched insurance for plowing.
     
  3. Mick

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


    Assuming will always lead to problems. Your current insurance (vehicle and liability) may not cover plowing snow. Make sure this is a "listed activity". As far as what is required, this may vary greatly by region (let alone country).
     
  4. basher

    basher PlowSite Fanatic
    from 19707
    Messages: 8,992

    Use the search feature on the menu. most everything has been discussed at least once.
    Like a bunch of old hens we are.lol:D
     
  5. Mick

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

    Cluck, cluck, cluck.
     
  6. DBL

    DBL PlowSite.com Addict
    Messages: 1,310

    man ins company will offer landscaping and such but no snow plowing erie has it and i got a reasonable rate from them and also if youre going to have employees make sure their names are on the policy