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    General Liability Insurance
    Hi, I am starting a lawn mowing service and wondering if I actually need to pay for liability insurance for the first few month I am in business (I would like to wait to pay until I am net revenue positive). I would like to know more specifically if there is a way to successfully make it impossible for any successful lawsuits to happen by using employment contracts and a terms of use for those using my services.

    What I would like to do is write a clause in my employment contracts saying we are not liable for anything that happens to you (if there is a general blanket statement I could use that would be great).

    For the people using the service, I would require them to click a terms of use on my website, and in it it would include the fact that we are not liable for any damages, etc (again, any blanket statement would be amazing)

    Thank you so much!!!


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    The one thing I have learned as an insurance agent is to expect the unexpected. Every business is exposed to risk. Introduce a sharp metal blade spinning at 3,000 + rpm’s and it gets a lot dicier, I have a few lawn care businesses that I wourk. For the most part we’ve had no major issues. The two largest claims; a Warehouse that weather got to resulted in a $61,000 loss. I also had a trailer stolen with two mowers on it. One of them belonged to my insured and it was covered. Tho there’s was borrowed and it wasn’t.
    We’ve had two or three claims with rocks be thrown through windows, never anything over $1,000. But truth be told those could have been the biggest losses. Throwing a rock through a window is one thing, throw an object through a person, not pretty.
    My bottomline......by not buying insurance you are picking up pennies in front of a train. A $250 to $500 policy versus a 6 or 7/digit lawsuit.

    If you are looking for additional info check out www.insuringky.com where you will find several things regards your industry.


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    You shall consult a specialist. It's the only way. The consultation doesn't cost that much and some agency will give it for free in hope to convert you as a client. When I was getting into MOT business I had a 3-hour talk and covered all the possible legel issues with these guys www.unicominsurance.com. Hope it helps.


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    Commercial liability insurance is a must and you should have it.


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    General Liability Insurance helps cover the costs of liability claims made against your business for third party personal injury, third party property damage and advertising injury. ... General Liability typically covers Costs related to property damage claims made against your business.


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    General Liability Insurance helps cover the costs of liability claims made against your business for third party personal injury, third party property damage and advertising injury. ... General Liability typically covers: Costs related to property damage claims made against your business.


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    In our culture now. You need to cover plenty of insurance to protect you,


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    Chris
    Please visit my website for all your Income Tax Santa Paula needs.
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    Thanks for such a useful thread. I'm trying to figure out everything about liability insurance and this topic turns out to be not only interesting but also complex. DO you know that personal trainer liability insurance is also a thing? I mean any personal trainer (masseurs, Zumba instructors, yoga teachers) requires this type of insurance. For me, it was a discovery.


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    You shall consult a specialist. It's the only way. The consultation doesn't cost that much and some agency will give it for free in hope to convert you as a client.


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