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Seasonal Snow Plowing

Discussion in 'Bidding & Estimating' started by Troybaseball21, Aug 25, 2009.

  1. Troybaseball21

    Troybaseball21 Member
    from Ohio
    Messages: 89

    What all insurance should I carry for just doing seasonal snow plowing and salting? I plan on going and talking to my insurance company soon to see what they say as well. I do all my plowing "under the table" and have some commercial and residential lots.
  2. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    If your plowing under the table what do you care about insurance ?
  3. AiRhed

    AiRhed Senior Member
    Messages: 401

    Ha, good point. Having the insurance makes it, on the table. NEEDING the insurance, makes it very over the table. I just picked up coverage from my State Farm Broker for $60 a month at 300,000 worth of personal liability as a plowing contractor.

    Another point, if you have liability insurance for something else like contracting for example. That insurance follows you wherever you go. Just a quick note to your broker that you'll be plowing is all that's needed.

    For me, plowing insurance is around $60 and finish carpentry insurance is $85 at the same liability level.
  4. terrapro

    terrapro PlowSite Veteran
    from MI
    Messages: 3,912

    The tax man will catch up to you one way or another. If you are doing commercial I bet you they are reporting snow removal on their taxes. You are being recorded on paper whether you like it or not.
  5. Mark Oomkes

    Mark Oomkes PlowSite Fanatic
    Messages: 13,238

    Why would anyone plow under a table?

    Wouldn't the table top prevent the snow from accumulating?

    What does a table have to do with plowing anyways?

    Why don't you just admit that you are evading taxes? That's what you are doing. You're also putting your customers at risk because you haven't had proper insurance before.

    If it's worked up until this point, why bother now?

    But hey, what do I know, I just plow for beer money.
  6. mullis56

    mullis56 Senior Member
    from Indiana
    Messages: 824

    People not paying taxes or paying for insurance is what sucks about this business!
  7. larold83

    larold83 Senior Member
    Messages: 116

    i also plow under the table i just doit for a little bit of income other then unemployment in the off season of lawn care just doit to keep up with bills feed the family and putting parts on the truck truckes licenced and liegal
  8. Mark Oomkes

    Mark Oomkes PlowSite Fanatic
    Messages: 13,238

    Great, another tax evader.

    Guess I might have to add another truck so I can keep up with how much beer I drink.
  9. Mick

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

    But that's the point. Not only are you cheating on taxes and unemployment rules; your truck IS NOT properly licensed nor legal. You are using it for something not intended by current licensing, registration and insurance.
  10. QuadPlower

    QuadPlower PlowSite.com Addict
    Messages: 1,056

    Isn't all plowing Seasonal? If it was year round, would you carry insurance and pay taxes?
  11. PGLC

    PGLC Junior Member
    Messages: 27

    Terrapro is right. I never understood doing business under-the-table and evading taxes. It is not a matter of "if" but "when" the taxman will catch up with you. The IRS and state department of revenues are auditing now more than ever. Everytime they audit a customer of yours you are at great risk of being the subject of a future audit. The taxman has the authority to subpoena all your bank records, business records, and anything else they need to determine your tax liability. Then, to make matters worse, they inform the other states you do business in or feds so they can assess you as well.

    It is much better to do business the right way. You will not have to look over your shoulder everday and you will also help out the industry by keeping prices where they should be because competition will be based on actual real costs, not low-ballin, tax evad'n crap. Just me 2 cents...
  12. Mick

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

    Ironic - I just turned on the news and a segment was showing about this very subject. Several states' revenue agents are using social networking sites to catch tax cheats (people not reporting income). One guy who identified himself only as "DJ" was ID'd and fined $2200. It said agents can only use public information (can not become your "friend" on Facebook, etc).

    This site would be considered "public".
  13. Troybaseball21

    Troybaseball21 Member
    from Ohio
    Messages: 89

    See most of the lots I do are for friends of the family, or friends that I know. Not sure if they just put it on there as building maintenance or how they do it. I probably don't even make a quarter of what most of you make. More less I do my snow plowing as a favor to people. I have been asked to do some sub contracting though. I guess I'll look into insurance and all that good stuff if I decide to take that up.

    I just didn't know if it was any different since most snow removal companies are also lawn companies and have all the tax and insurance setup's already. Kinda stick's it to you if you just do snow removal.

    Oh and I do report it as income when I do my taxes. Just under other income or whatever that box is.
    Last edited: Aug 30, 2009
  14. Bajak

    Bajak Senior Member
    Messages: 999

    Hey Mark O! when your not out pre plowing with JD your pretty funny.

  15. cretebaby

    cretebaby PlowSite Veteran
    Messages: 4,162

    That's hilarious
  16. plowboss

    plowboss Member
    Messages: 48

    well, hopefully troybaseball won't be involved in a bad accident while plowing, if he is, then he will wish he would have paid the proper insurance premium, 300000.00 sound like alot, but almost all of my commercial accounts require at least 1,000,000.00 in liability, some require 2,000,000.00 guess it depends on what you have to loose.. best wishes..