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33 replies to this topic
Richo1
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Insurance
#1

Hi Fellas, Its official Richards Mowing is now known as The Lawn God (residential).

Can anybody recommend or not recommend Insurance Companies /coverage and price to give me some idea.

 

Richo1


Posted 19 January 2018 - 10:14 PM

CGAHS
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Insurance
#2

you need to join as a paid member, but you won't find cheaper insurance http://www.indmowing...nsurance_pl.htm


Posted 20 January 2018 - 05:45 AM

Barefoot
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#3

I did a fair bit of looking around. But found AAMI to be good. $40 a month for $10m
And they cover broken windows. I found afew didn’t cover this or it was an additional cost.
Posted 20 January 2018 - 07:38 AM

Richo1
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#4

Yea I always thought that someone being local was much better. Just ring or call in and sort out not quite sure about interstate stuff hard to organise etc.

Maybe pay a little more but half the hassle especially if the customer keeps bothering you.


Posted 20 January 2018 - 08:21 AM

Eighty eight
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#5

dont bother with insurence waste of money never used it in 30 years
Posted 20 January 2018 - 09:39 AM

Smokey
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Insurance
#6

dont bother with insurence waste of money never used it in 30 years


I personally wouldnt take that risk.

Last year i was mowing a school when the mower picked up a piece of copper pipe a plumber had left behind.

Went straight through a large glass window if i didnt have insurance i would have been out of pocket $ 5000. To replace the window

For the price of insurance it is peace of mind even if you never use it.
Posted 20 January 2018 - 11:03 AM

crocster
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#7

Agree Smokey - like all insurance we grumble about it until we need it - I haven't had to claim yet but I know a stone ding panel repair on a modern metal flake finish car would take your breath away


Posted 20 January 2018 - 11:10 AM

john22
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#8

dont bother with insurence waste of money never used it in 30 years

I doubt anyone would agree with you unless they are a beer bob. I’ve heard of a case where a young child had his eye so badly injured by a projectile ejected from a contractors mower that it had to be removed. The contractor had to pay him compensation until he was 18 years old.
Posted 20 January 2018 - 12:02 PM

bakes
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Insurance
#9

I use all trade covers which is part of CGU


Posted 20 January 2018 - 02:54 PM

Richo1
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#10

Thanks Bates, Will ring you when I arrive in WA in about 2 weeks to come and see you if thats OK.


Posted 20 January 2018 - 03:05 PM

bakes
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#11

Thanks Bates, Will ring you when I arrive in WA in about 2 weeks to come and see you if thats OK.

No worries at all mate.


Posted 20 January 2018 - 03:08 PM

markp
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Insurance
#12

 insurence , I'm not to sure what that is 


Posted 20 January 2018 - 03:47 PM

Lucky
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#13

I'm through AAMI as well.

 

Ive tried joining that indymowing site a few times, (and even left a message) to no avail. I'm not sure id trust their insurance if they wont return messages.


Posted 20 January 2018 - 05:15 PM

bellarinelawns
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#14

There are too many differing opinions of advice on insurance cover. I'm of the opinion that the owner of the property must have a clean,tidy etc work site for any trades, and that after a previous trade has used the site, the site must be inspected and cleared of any foreign items etc. So if you mow a lawn and flick a copper pipe that was left behind from a previous trade employee then it isn't your fault. I wouldn't be claiming on my policy. It would be different if your mower rolled into the plate glass Window, then it is your fault. I'm surprised that the insurance company allowed the claim. But then again, if it was a government school they don't carry insurance as they are self funded or carry the risk themselves.
Posted 21 January 2018 - 09:50 AM

Lucky
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Insurance
#15

There are too many differing opinions of advice on insurance cover. I'm of the opinion that the owner of the property must have a clean,tidy etc work site for any trades, and that after a previous trade has used the site, the site must be inspected and cleared of any foreign items etc. So if you mow a lawn and flick a copper pipe that was left behind from a previous trade employee then it isn't your fault. I wouldn't be claiming on my policy. It would be different if your mower rolled into the plate glass Window, then it is your fault. I'm surprised that the insurance company allowed the claim. But then again, if it was a government school they don't carry insurance as they are self funded or carry the risk themselves.

In the building trade its the responsibility of the trade coming onto site to insure a safe workplace. 

 

We do this as we normally quickly walk or inspect the job removing any kids toys,  sticks, catalogues etc from the lawn.


Posted 21 January 2018 - 02:53 PM

Smokey
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#16

Spot on lucky we always do a walk through on all jobs and remove any foreign objects.

But a 100mm piece of copper pipe on a 50 acre site is a bit hard to see lol
Posted 21 January 2018 - 03:22 PM

Lucky
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#17

Spot on lucky we always do a walk through on all jobs and remove any foreign objects.

But a 100mm piece of copper pipe on a 50 acre site is a bit hard to see lol

yep and that's why we have insurance!


Posted 21 January 2018 - 03:41 PM

Blair B
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#18

If he didn't have insurance he wouldn't have been allowed to mow in the school in the first place. I've always found the first thing I have to provide when I start a commercial job, is a copy of my insurance.


Posted 21 January 2018 - 07:04 PM

Smokey
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Insurance
#19

Yes im in the same boat blair all my commercial work requires insurance documents, abn and business rego, safe work method statments and msds sheets.

At times i wish i just do resi lawns lol
Posted 22 January 2018 - 02:58 PM

plucka
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#20

dont bother with insurence waste of money never used it in 30 years

Is that you bob?

All insurance is a waste of money 99% of the time.  Question is are you willing to ruin yourself if that 1% happens.  You remind me of those people you see on the news whose house has burnt down or flooded and then they say they are not insured,  fail.

 

Take someone's eye out with a flying rock from your mower/trimmer and you will be up for being sued in the 6 figures, that no doubt means losing your house.   Already mentioned, liability insurance is also required for just about any commercial or government work, even real estates.


Posted 24 January 2018 - 05:56 AM




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