3 Types Of Insurance You MUST HAVE For Snow Plowing!

[@BriansLawnMaintenance]

Thanks for watching! Did we miss anything regarding insurance that you guys look out for? Let us know down below!

[@davidlokker2940]

Once again good info. Like you touched on several times keep the communication open with your agent because you don’t want anything to be overlooked. I will add this about Work Comp because I see this often and could be costly if caught in an audit. If a Company is hiring a sub-contractor to do work and that sub-contractor only works for that ONE Company you are not viewed as a sub-contractor you are viewed as an employee. This could lead to additional work Comp premiums needing to be paid along with paying W2 income taxes.

[@njh28]

Good video however one thing to note most general liability does not cover snow plowing you have to make sure you have the special endorsement for it. A lot of people think they have snow coverage but they really don’t. It’s the same situation typically with herbicide or lawn applications. A normal general liability does not cover lawn care treatments, you have to have the special endorsement.

[@BriansLawnMaintenance]

Bingo!

[@njh28]

Just finished watching video you already spoke on my comment :)

[@Fencearmor]

Always a pleasure to watch your videos Brian. Great points!

[@davidlokker2940]

Good info Brian. Lot of variables with with commercial insurance. If anybody would like a review or have questions please feel free to reach out. I’m an insurance agent that specialize in helping contractors in any state.

[@jaydragon8936]

Hello David, I actually am currently looking to secure some insurance in nh for plowing if you could lmk asap if this is something that you might be able to help with, thank You.

[@lammchop-yolo]

Hi David, I'm trying to get insurance, too.

[@grumpy1311]

Good stuff Brian. My agent said with Commercial Snow Plow insurance for my Plow truck, if the Plow is not hooked to the truck and it is damaged, the policy won't cover the damage to the Plow. They said I needed to purchase coverage for the Plow specifically if I wanted it covered while not attached to the truck. ( such as a tree falls on it etc) Similar with my mowers . All plows , mowers and Sanders are insured since they are mostly brand new with low hours.

[@BriansLawnMaintenance]

Oh wow that is an interesting take, but glad you clarified it with your agent. Now you’re covered!

[@aceproductmart]

Great info Brian!! Wish i could've met you at GIE this year! I actually have an app with my insurer to review my policies. This is my first year in lawn/landscaping and im also offering snow removal too. Crazy thing happened. I live in ky and I actually had 2 walmarts in my area request me to do their snow removal. Once we sign the contract we're locked in for 3 years. I also get preferred status so if there's any other jobs i will get first dibs at them. I also have strip mall too! Pretty exciting!! Once again thanks for the info! It'll definitely help when i go to my app!👍💯

[@BriansLawnMaintenance]

That’s awesome David! And sorry we missed you, next time buddy!

[@aceproductmart]

@@BriansLawnMaintenance for sure bud!

[@ethanthelandscaper8919]

Last year we had a ditch witch sk750 burn to the ground. It was insured and that weekend we found an sk1050 for less then we got from insurance, got a nice upgrade.

[@BriansLawnMaintenance]

Making lemons into lemonade!

[@DanOneDr]

How "MOW"vember! Hitting the leafs and still mowing, upstate NY! This week? Next week? Half the trees still green Mowing and blowing brrr.

[@mantistobogganmd5231]

Thanks for reminding me that snow is coming 🤦🏻‍♂️😂

[@BriansLawnMaintenance]

Friendly reminder lol

[@carloschambliss1752]

If I manifest my OWN thoughts for my OWN 1000 acres then I need my OWN snow plow insurance NOT for a business for personal use.

[@-What-are-your-thoughts]

One thing I never see discussed on Lawn Care channels is Healthcare. Pretty much every aspect of the business is covered except Healthcare. Could you possibly make a video on that topic ?

[@BriansLawnMaintenance]

I honestly haven’t covered that topic because it’s hard to not make it political. Long story short though, we have Christian group share.

[@yardmanllc7268]

Oh SNAP! The make make make make make intro is back. Yes!

[@BriansLawnMaintenance]

Ha!

[@conorsmith5471]

So when I was going over the business insurance of the company I took over, I realized the former owner did not have proper snow plow coverage for about 26 years. Im legal/documented now with a sweet set up!

[@BriansLawnMaintenance]

Get on that ASAP, but that’s a solid head start!

[@conorsmith5471]

@@BriansLawnMaintenance oh im covered brother. Made sure to add the new Fisher poly-caster to the policy in case something happens to it. La niña is going to bring us some $now my man!

[@BriansLawnMaintenance]

💰💰💰😎

[@greggbrown3792]

Well done. Very helpful, very articulate👍🤙

[@gregoryhoffman3184]

This is awesome breakdown and very informative, thanks for the video. Also thanks again for the chat awhile back about the apartment complex.

[@BriansLawnMaintenance]

Hey brother, you bet.

[@degroffjames]

me watching this video and I don't even plow snow lol

[@kblessing93]

I'm gonna miss plowing 100 plus inches of snow this winter.

[@jackiehall8630]

I so wish we had snow in my area.

[@EuroYardService]

I'd say $2m liability for commercial won't get you very far these days...

[@BriansLawnMaintenance]

That’s fair. I would agree.

[@AliBaba-mp7zb]

Great video Brian. Where I'm at some commercial places and apartment management offices ask for 5 million insurance liability instead of 2 million.

[@BriansLawnMaintenance]

Wow that’s a lot!

[@AliBaba-mp7zb]

@@BriansLawnMaintenance and they require you to put them under your insurance certificate. Their insurance usually asks for it.

[@ChilltownDom]

My agent said if I have 75 percent landscaping I'm covered w snow with his policy

[@treyvonlanwservice6860]

Thanks for the video 👍

[@michaelkelley1177]

Good content!

[@deadpurple7965]

Did you do a loan to start or did you finance your start yourself?

[@BriansLawnMaintenance]

Our first mower was a loan from Sheffield Financial for $5.3k for an Exmark Viking.

[@ryan.edwards789]

How do u feel about the low amount of snow plow drivers down in macomb?

[@BriansLawnMaintenance]

What’s the scoop?

[@ryan.edwards789]

@@BriansLawnMaintenance macomb County is apparently low on plow drivers this year and are hiring

[@mikesautomaintenance5780]

Hummm🤔 I live in the country and have a plow on my truck all winter to do my own driveway and leave it on all winter long wonder if my insurance would still cover my truck if I was to get in a crash in the winter with my plow on it or if they would try and fight it thinking I was out plowing snow as a side hustle

[@BriansLawnMaintenance]

Honesty is the best policy. Perhaps they can write it up for limited use / farm / home use. Might not cost you much and at least it and the truck are protected.

[@j.t.vallay9370]

Do/did you need any special insurance when just using snow blowers and shovels?

[@BriansLawnMaintenance]

Not that I can speak to.

[@Dale.Nienow]

Great video Brain, I just bought an aerator is it better in the fall or spring to perform an aeration?

[@BriansLawnMaintenance]

Honest answer fall, but I know that people do them in spring and or fall.

[@Dale.Nienow]

@@BriansLawnMaintenance ok I googled the time and it said spring! But both works for me! I will have to get out there and start aerating after leaf cleanups before we are dropping the plows!

[@jimbauer5560]

Brian, What kind of things should I look for in the contract from my snowplow company for our church?

[@BriansLawnMaintenance]

Hey Jim, I think our commercial contract is pretty well laid out for a church. We use the same commercial contract template for a 2 acre church that we provide snow plowing for. If you have any specific questions just let me know.

[@josiahcampbell4802]

Hey Brian, would your commercial snow plowing accounts require workers comp even if you were a one man show with no employees?

[@BriansLawnMaintenance]

Shouldn't, no sir.

[@wilsonbobcatservice4151]

Absolutely yes u do. Any commercial accounts wants workers comp. I do 100% commercial and have dealt with many company's.

[@rickyjennings8627]

whats exactly is lawn mowing academy you have? I'm interested? can I buy?

[@BriansLawnMaintenance]

They’re individual contracts and resources for lawn care businesses to help you grow. 👊

[@rickyjennings8627]

@@BriansLawnMaintenance awesome im going to ck it out on your you tube page! thanks

[@markhoffman5719]

Like a farmer on KZbin. His tractor caught fire. He THOUGHT it was insured. It wasn’t. $70,000 loss

[@BriansLawnMaintenance]

Oh lord. I could only imagine!

[@Orefamilylawncare]

My policy is 2m just because you never know

[@jonnybravo9003]

First

[@cannonmolstad4409]

First😂

[@mannym110]

Would be nice if you slow down when you speak. There is alot of value in the information you are providing. But damn you speak too fast. Give me a 15-20min video but take your time. Good info though!