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Discussion in 'Introduce Yourself to the Community' started by WiscTundra, Jun 25, 2013.

  1. WiscTundra

    WiscTundra Junior Member
    Messages: 3

    Will be adding snow this year. Will offer residential and commercial, but will probably just get residential jobs and sub for commercial.

    For residential in Wisconsin, I'm wondering if a plow will be ok for most or if they'll want snowblower/shovel. I know from what I've read here that different regions have different views regarding a plow on their driveways.

    Also for the commercial, since I'm new I'd like to sub.
    1. Will be using 2500 and most likely 8ft v plow, curious as to what I should expect for pay. It's not a huge deal if I have to plow for little at first learning the ropes.

    2. Any ways on here of networking with companies I could sub for in Green Bay/Fox Cities/Milwaukee?
  2. BigBoyPlowin

    BigBoyPlowin Senior Member
    Messages: 301

    Not telling you how to run your biz... But if you have to sub the work out you will be probably better off just doing it yourself or not having it.

    If your sub "Flakes" out on you, the customer will be looking for YOU! Not the sub, YOU! So you will be forced to do the work!
  3. peteo1

    peteo1 PlowSite.com Addict
    Messages: 1,658

    I think he means he wants to sub for someone else.
  4. Longae29

    Longae29 PlowSite.com Addict
    Messages: 1,954

    Where are you located Milwaukee or Appleton?

    Have you ever plowed snow before? We are always looking for quality people in the Milwaukee area. If you are in the fox valley I could give you a guys name that we give work to on a regular basis.
  5. WiscTundra

    WiscTundra Junior Member
    Messages: 3

    Yep, I'm looking to subcontract for someone else, don't mind working for cheap at first to figure out what I'm doing.

    I haven't plowed before, but have excellent driving record/insurance. I'm in Green Bay, but would definitely be willing to travel to Milwaukee for times when they get hit and Green Bay doesn't. And appleton is very close.
  6. nekos

    nekos Senior Member
    Messages: 586

    Generally speaking it costs roughly $2000 per year for commercial auto insurance and another $500 for general liability insurance. Gas, $120 per tank and you will typically go threw 1 tank per storm. 15 storms per year is about $1800 in gas. So $4300 per year just for insurance and gas, figure another $1000 in general maintenance on your truck and plow, $5300. I will leave out the repair costs from when you hit a monster pothole and tear your front end apart...

    $5300 divided by $50 an hour = 106 hours you will have to work before you make 1 penny. Are you sure you want to work for cheap ?
  7. peteo1

    peteo1 PlowSite.com Addict
    Messages: 1,658

    Great post. Good job breaking it down.
  8. Triton2286

    Triton2286 Senior Member
    Messages: 654

    So not surprised that you read his entire thread wrong.
  9. Triton2286

    Triton2286 Senior Member
    Messages: 654

    Well he states that he "will be adding snow removal". So he is probably already covering the cost of his insurance with whatever business he is already running.

    Still a good cost breakdown to show him though.
  10. nekos

    nekos Senior Member
    Messages: 586

    Not necessarily, I'm just assuming the guy is in landscaping. Most people i know who just do landscaping do not have commercial auto insurance. Regardless, what i said in my other comment is basically what i say to every one getting into this business and or the sub contractors who are getting taken advantage of.

    It costs a lot of money to run a plow truck, we have to cover those costs and working cheep just doesn't do it.
  11. WiscTundra

    WiscTundra Junior Member
    Messages: 3

    Thanks for the great replies, especially Neko; I'll have to rethink working cheap for sure.

    To the question, Yes I do have liabilty insurance but no commercial auto ins. Had no idea it would be 2,000! Does it not adjust up or down based on number of miles/revenue you do? Also, for commercial auto insurance I'll either go through Allstate, where I have my regular auto and other policies , or Pekin (who I have lawn liability through), any idea which is preferable?
  12. Triton2286

    Triton2286 Senior Member
    Messages: 654

    My preference is local companies. I'm paying $2500 for auto from a NY company. Progressive wanted double that.

    Allstate does not offer commercial auto, unless they work with another company to get you the coverage but when I asked my agent he told me they wouldn't cover me or at least not if I had a plow.
  13. nekos

    nekos Senior Member
    Messages: 586

    You're welcome...

    Commercial auto Insurance doesn't adjust up or down with mileage as far as I'm aware of. I also pay less for my commercial auto insurance, $1200 per year, but i have an exceptionally good driving record and i get a discount threw the company i work for. Roughly $2000 is what it will cost though and always over estimate costs !
  14. jhenderson9196

    jhenderson9196 Senior Member
    Messages: 615

    Something else to consider; I have comm ins on my truck, for firewood deliveries. I have a good agent, and the price was less than $1000 per year. Last year I was notified by the ins co. that while the price would remain the same ,they would no longer cover snow removal without an additional rider. The cost of the rider for snow removal would doubble my ins premium. Read the policy before you buy.
  15. MSS Mow

    MSS Mow Senior Member
    from Maine
    Messages: 981

    My commercial insurance is less than $800 on my 2012 truck and I have 1 million/2 million coverage.
  16. jhenderson9196

    jhenderson9196 Senior Member
    Messages: 615

    I have done some research. The snow removal rider my insurance co. required me to purchase was in addition to my general liability policy, not my commercial vehicle policy. Either way it was an additional expense I hadn't counted on.
    Last edited: Aug 11, 2013
  17. Wilnip

    Wilnip Senior Member
    Messages: 583

    For what it's worth, check into State Farm. I just switched my 4 plow trucks and 2 vehicles used in our other business and saved big $ from Auto-Owners whom we had for 4 or 5 years. I now have full coverage on all vehicles, used to only be 3, and still saved a few bucks. I have a meeting this week to get quote on liabily.
  18. tranz429

    tranz429 Junior Member
    from 11758
    Messages: 1

    My policies are with State Farm and they wont touch anything with a plow on it. Are you getting coverage for snow removal with SF?
  19. EWSplow

    EWSplow Senior Member
    Messages: 531

    American Family has commercial auto & does cover plowing. I've got my commercial auto, plowing & liability through a small independent agent. If you're in Wisconsin, I'll give you his name.