I am planning on Starting a small yard cleanup business or pooperscooper business. what kind of insurance coverage should I have? I will not have any workers, it will just be me, and I will be spraying a non-toxic chemicle that should help the grass stay allive even with the pet doing it's duty on it. This chemicle is not harmfull to pets.
2007-01-27 11:17:22 · 5 answers · asked by tradesman408 2 in Business & Finance ➔ Insurance
Don't forget health insurance for yourself and the family.
2007-01-28 17:47:21 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Hi,
You should have a few coverages.
Vehicle insurace
Workmans insurance (often called Small Business insurance) This would be protection against someone suing you for theft or damage of their property, even if they claim your chemicals harmed them.
Depending on your state you may need to cover even yourself with a workmans compensation policy. In most states you do not need this if you have no employees.
These coverages are only inclusive of your business needs I am sure you have personal coverage but remember that if you are using you personal vehilce for working purposes it will no longer be covered under your current policy. If you are on the job.
Hope this helps
2007-01-27 13:01:56 · answer #2 · answered by ajtdc2006 1 · 0⤊ 0⤋
Commercial Liabilty Insurance covers claims for injury or property damage. It should cost $1000-$2,000 annual.
Vehicle insurance. If you use your personal vehicle for the business read the policy. It might exclude buisness use. If that is the case yo have to buy Commercail Auto coverage. again $1000,-$2,000. per year. Pollution coverge from chemicals is not normally covered.
Commercial property insurance if you have anything of high value you need to insure that you use in the business..
Since you don't have EEs yo do not need WCP insurance.
Disasbility and/or life insurance if your family needs your income from the job and you die or can not work.
2007-01-28 06:39:54 · answer #3 · answered by california bill 2 · 1⤊ 0⤋
You should have legal insurance as well. Just in case something goes wrong you do not want to bankrupt your business. I can help you with that, if you want to just check it out.
2007-01-28 03:57:15 · answer #4 · answered by gatorgirl 5 · 0⤊ 0⤋
You can just get liability insurance for your business. contact and insurance co. and get at least 3 quotes
2007-01-28 01:49:22 · answer #5 · answered by aussie 6 · 0⤊ 0⤋