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tips to newbies on insurance/law suits

Discussion in 'Introduce Yourself to the Community' started by HDChevy.Farmer, Dec 26, 2013.

  1. HDChevy.Farmer

    HDChevy.Farmer Junior Member
    Messages: 19

    Yes I know this might sound like I'm getting started late but hey I'm only 16 and just found the deal ive been looking for on a good plow(older 8 foot Meyers with e47 pump). But any ways Holy cow I just got done reading a thread on law suits.... geeeez. I never even thought about all this law suit stuff. I am only plowing residential mainly but one of my best friends dad owns a few apartment complexes with just residential drive ways (no big lots) that I'll be plowing but what would you guys say I should do for insurance?!!???! And also I understand we need the clearest contract you can get. I am very new to this so you guys are a bug help thanks!
  2. Triton2286

    Triton2286 Senior Member
    Messages: 653

    No company is going to write a general liability policy for a 16yr old.
  3. jim5x5

    jim5x5 Member
    Messages: 32

    Call an insurance broker. It's your best bet being young. Good luck.
  4. HDChevy.Farmer

    HDChevy.Farmer Junior Member
    Messages: 19

    The policy would have to be under my mom and dads names for me, just like my truck and trailer title is in my name, insured for me but still on same account as my parents, I just wanted input on this cause i was reading a thread on here about rediculus law suit cases and everyone said be pre paired for the worse case scenario
  5. jim5x5

    jim5x5 Member
    Messages: 32

    Your better off talking to an insurance agent. Every state has different laws, and a simple wording issue can mean big problems for you later on.
  6. Dogplow Dodge

    Dogplow Dodge PlowSite Veteran
    from NJ
    Messages: 3,699

    Your parents will have to list you as an additional driver on their policy, but each carrier has it's rules / regs for whom can do what ? As others have said, it's prudent for you to contact the local insurer and discuss it directly with them, as your age poses an issue that only they can answer with any accuracy.

    Good luck, and post the information that you find, as ultimately it may help another in your situation.
  7. NorthernSvc's

    NorthernSvc's Senior Member
    Messages: 781

    Why don't you go work for a bigger company, learn the ins and the outs... Make your mistakes then go work for yourself? Worst case you make a little less for a couple of years until your old enough and wise enough to run a snow removal company, best case you don't bankrupt your parents with a lawsuit...
  8. HDChevy.Farmer

    HDChevy.Farmer Junior Member
    Messages: 19

    I get what your saying but you don't really see law suits with residental drive wayys do you?
  9. Mark13

    Mark13 PlowSite Fanatic
    Messages: 5,794

    You haven't met enough people, just wait.
  10. erkoehler

    erkoehler PlowSite Veteran
    Messages: 3,279

    unfortunately yes.
  11. HDChevy.Farmer

    HDChevy.Farmer Junior Member
    Messages: 19

  12. Sawboy

    Sawboy PlowSite.com Addict
    Messages: 1,700

    This is great advice. Work with someone to learn the biz. Crawl, before walk. Walk, before run.
  13. NBI Lawn

    NBI Lawn PlowSite.com Addict
    Messages: 1,797

    If you take anything out of this thread I hope it's this. You should be thinking about college or high school graduation right now. Heck, if it snowed in the evening you're too young to be out past 11:00 or midnight.
    Not picking on you but it's the truth.

    I graduated college and still plow...but I have options.
  14. HDChevy.Farmer

    HDChevy.Farmer Junior Member
    Messages: 19

    I live onn a farm and work for my neighbors farm so I'm checking bred heifers that are soon to be calving checking those through out thee night and I've always stayed am A B C student... and a few of my older buddies plow and could sub for me / if theirs a huge storm thaty equitment can't handle
  15. Mark13

    Mark13 PlowSite Fanatic
    Messages: 5,794

    There's no way you are an A/B student, reading these posts proves that.

    Where in IL are you?

    I'd work for someone else for a few years and get a feel for everything then start doing your own stuff if you want. You may find that you like being a sub or running someone elses equipment and continue to do so. And you're getting paid to learn.
    Last edited: Dec 26, 2013
  16. JB1

    JB1 Senior Member
    Messages: 182

    And then again your 16 and don't have anything for them to get.
  17. Dogplow Dodge

    Dogplow Dodge PlowSite Veteran
    from NJ
    Messages: 3,699

    Yeah, but living at home, truck registered in his fathers name, etc..... his parents lose everything.:cool:
  18. yardguy28

    yardguy28 Senior Member
    Messages: 485

    I love how we bash someone young wanting to start his own business or grow his existing one. and we do it by hiding behind the old bs statement "you should be focusing on high school or college".

    I don't think he started this thread to listen to a bunch of people tell him he should work for someone else or not at all and focus on school.

    he wanted answers on how to handle liability. and a few did give him the best answer and that is to talk to an insurance agent. I'm gonna second that answer and add while I'm sure it can happen, in the 8 years I've been doing residential snow removal I have yet to be sued.

    keep doing what your doing kid. wish I'd of had my business going when I was 16.
  19. Dogplow Dodge

    Dogplow Dodge PlowSite Veteran
    from NJ
    Messages: 3,699

    Bashing ? or providing an answer to a question posed by the young man who started the thread ?

    Wouldn't bashing be something to the effect ...????

    "You're stupid..... Go work for someone else, you dumb ass !! "

    What's wrong with going to work for someone else to gain experience on their dime ? It would provide the perfect platform to start his own business after gaining the knowledge by working with / for someone who's already put in the time / effort / hard knocks.

    If you as me, the guys who are suggesting gaining experience are actually looking at the OP and his best interests, vs just telling him to stick his hand in an open lawnmower housing and see if his hand gets cut off. His parents have a lot to lose being the situation that it is. It won't help him to coddle him and pretend that there are no pitfalls before him, should he venture down this road by himself.

    At 16 years old, I can't see any insurance agency allowing him to get his own commercial policy, but then again, he hasn't said that he's gone to the local agent yet, now has he?
  20. HDChevy.Farmer

    HDChevy.Farmer Junior Member
    Messages: 19

    Truck is in my name