Hello all,
A couple of friends and I have an opportunity to get started in snow plowing but we are not sure on how to do it. Here is a little background info.
My sister and brother-in-law purchased a couple of small office buildings during the summer and they asked us if we wanted to be in charge of plowing the parking lots and side walks for them. They said they would pay us fairly so we thought it might be a good chance for us to get started. (I know the rates on plowing is a whole separate subject... I did the search). What they will pay us is not really an issue now b/c they have always been generous to us. They even offered to loan us money to purchase a truck so we can get started. We are not going to do it and that's beside the point. We're more interested in gaining experience first.
I checked on insurance and received a similar quote as Snoworks from American Family Insurance. To be honest, we don't have the money to get the commercial insurance right away. But we also don't want to miss this opportunity. So my question(s) is...
If we plowed the snow for them as a favor and not get paid, can we still be held liable?
What if we were employed by them as "maintenance guys" responsible for snow plowing? My sister formed an LLC as the owner of the building.
If we sub for a larger outfit. Will we still need the commercial insurance? Would we be covered under the main contractor’s insurance?
How did some of you guys get started?
Sorry about the long post guys/ gals but I have done searches and have not really found answers to these questions.
We plan on joining SIMA for some guidance but won't be able to until next month.
Any answers/ responses will be appreciated. We just want to minimize the "would've, could've and should've" in the future
Thanks in Advance!
A couple of friends and I have an opportunity to get started in snow plowing but we are not sure on how to do it. Here is a little background info.
My sister and brother-in-law purchased a couple of small office buildings during the summer and they asked us if we wanted to be in charge of plowing the parking lots and side walks for them. They said they would pay us fairly so we thought it might be a good chance for us to get started. (I know the rates on plowing is a whole separate subject... I did the search). What they will pay us is not really an issue now b/c they have always been generous to us. They even offered to loan us money to purchase a truck so we can get started. We are not going to do it and that's beside the point. We're more interested in gaining experience first.
I checked on insurance and received a similar quote as Snoworks from American Family Insurance. To be honest, we don't have the money to get the commercial insurance right away. But we also don't want to miss this opportunity. So my question(s) is...
If we plowed the snow for them as a favor and not get paid, can we still be held liable?
What if we were employed by them as "maintenance guys" responsible for snow plowing? My sister formed an LLC as the owner of the building.
If we sub for a larger outfit. Will we still need the commercial insurance? Would we be covered under the main contractor’s insurance?
How did some of you guys get started?
Sorry about the long post guys/ gals but I have done searches and have not really found answers to these questions.
We plan on joining SIMA for some guidance but won't be able to until next month.
Any answers/ responses will be appreciated. We just want to minimize the "would've, could've and should've" in the future
Thanks in Advance!
