So I'm starting up a Lawncare business (like everybody else these days apparently) and want to do things right. Looking for general liability insurance as it will just be me working solo at least until I get comfortable and things pick up. I've been looking around and have had a hard time sorting through all the paid ads to find actual feedback.

Anybody have any good experiences here or have any recommendations on some companies to give a shot at quoting?
Any other tips would be helpful as well.

first thing is, are you just mowing yards, trimming etc. or will you do landscaping etc?

is there a permit or license needed for any of what you will be doing?

call your insurance person and ask them if they have some available.

if your agent is a single co. agent like a state farm or progressive etc then call an independent and have them do the leg work.

an agent should be able to come up with something.

my first advice is form an llc before you do squat, accountant or lawyer can do it and it is well worth the money in these times.

what Hops said. A business atty. ought to cover all your bases including do you need permits.

Buy a liability policy, if you spray chemicals you probably need license, you do it Texas, if you work on sprinklers you probably need license you do in Texas. Beyond that LLC or not really doesn't matter. Don't over think it.

Why an LLC for a lawn care company?

You need an LLC (Limited Liability Company) so you can walk away from it if necessary (an employee cuts off his foot with your lawnmower).
You also need an independent insurance agent to search companies online and get you a good quote. If you do it yourself, you will end up buying a cheap policy which doesn't cover much.

If he gets employees then he will have workman's comp. Right now he is gonna be solo. Anyway so let's not slow the process let's get out there and make money. Everyone is LLC crazy these days. And let me add that his GL for his scope of work is gonna be so cheap he will be lucky to get an agent to call him back. You guys are way over thinking this stuff.

If you can afford insurance, you can afford an LLC. Properly set up, it is a good layer of defense against lawsuits. No attorney is going to sue an LLC whose only assets are a lawnmower, an edger, a weedeater and a checking account with $100.

Buy a mower, weed eater and a blower and get started. No need for insurance and that other stuff at this point.

Exactly how much lawsuit is gonna happen mowing grass? Maybe he whacks an AC unit with a zero turn or something. The lawyer is gonna cost 4 or 5 times what a cheap GL policy is. The goal is to start making money not f around with a lawyer to go mow..... now if he is gonna hire a bunch of people, borrow money, start cutting down trees around houses that's a different story.

I think this is right answer really

And power lizard, the best defense against a lawyer is have no insurance...... you fall of their radar quickly.

You should mow my yard free for a year, I brought the guy over that bought your old boat.

A GL policy will cover you in the event of an accident while conducting business. I've been in business 16 yrs and I've only had to use it once. We kicked up rocks with a Zero Turn onto a new Dodge Challenger that needed to have the door repainted. I've also broken glass doors and windows but paid out of pocket on those. So honestly you don't need a GL policy to be in business but you do need if you secure commercial accounts as they will require it for you to work on their site.

You don't need an LLC. In fact, I would start out working for cash and see if it is something you like and can make a go of it. Fly under the radar as long as you can. When you start hiring multiple employees and running multiple trucks then it becomes a different ballgame. In 16 yrs, I've seen numerous companies in my market come and go.

An LLC is only to cover your [censored] in the event of an accident - mostly a vehicle accident. You want to protect your personal assets. However, there are certain ways you have to operate to be considered a legitimate LLC and not an LLC just for shield purposes.

It isn't as easy as it might seem. All things learned over a long career - in fact, it is the longest job I have ever held.

Here is good advice, buy a 36 inch zero turn for the back yards because a 42 won't fit though half the gates and a walk behind will kill you doing 15 or 20 pos yards a day.