- Joined
- Nov 27, 2014
- Messages
- 9,202
So, we've always heard not to deal with anyone not licensed and insured. I'm pretty sure there's no license for lawn mowing but I was wondering where to start on the insurance part. He's the twist, I'd like to support my grandsons getting out and earning some money by mowing lawns. I'm just not sure where to start on the insurance part.
I understand one level of insurance is to cover the mower (grandson) breaking/damaging something on the job. Some type of general liability insurance should cover that. But what about covering the grandson. I would think the purchaser of the service would like to know that they will not be held responsible for any accident that happens on their property that injures the grandson. What type of insurance is that?
Trust me, I know this is going over board. A teenager should be able to grab a lawn mower or a snow shovel and make some money in the neighborhood. But I'd like to be able to help them understand this in more of a business sense and I would like them to be able to tell the homeowner that indeed, they are insured. And, I'd also like to make sure my SIL/DD are not burdened financially if something did happen.
Any thoughts on where to start?
Here's the business:
Grandson(s) live in a subdivision with small lots. I'm thinking that with a nice walk behind (30") mower, a string trimmer and a blower, these houses should be able to be done in about 1/2 hour to an hour. 4 to 8 homes and a couple days a week/weekend and they're making pretty good money. Heck, they're not too good at any of the sports my DW forces me to go watch them play, so why not teach them to make some money.
Shoveling in the winter would be bonus money. I'd get them a good snow blower. My belief has always been to get the right equipment and let it of a lot of the work for you.
I understand one level of insurance is to cover the mower (grandson) breaking/damaging something on the job. Some type of general liability insurance should cover that. But what about covering the grandson. I would think the purchaser of the service would like to know that they will not be held responsible for any accident that happens on their property that injures the grandson. What type of insurance is that?
Trust me, I know this is going over board. A teenager should be able to grab a lawn mower or a snow shovel and make some money in the neighborhood. But I'd like to be able to help them understand this in more of a business sense and I would like them to be able to tell the homeowner that indeed, they are insured. And, I'd also like to make sure my SIL/DD are not burdened financially if something did happen.
Any thoughts on where to start?
Here's the business:
Grandson(s) live in a subdivision with small lots. I'm thinking that with a nice walk behind (30") mower, a string trimmer and a blower, these houses should be able to be done in about 1/2 hour to an hour. 4 to 8 homes and a couple days a week/weekend and they're making pretty good money. Heck, they're not too good at any of the sports my DW forces me to go watch them play, so why not teach them to make some money.
Shoveling in the winter would be bonus money. I'd get them a good snow blower. My belief has always been to get the right equipment and let it of a lot of the work for you.