Home/Legal & Finance/🌿 Landscaping/Liability headaches with landscape retaining walls - just paid $2500 in premiums for my John Deere gear
Liability headaches with landscape retaining walls - just paid $2500 in premiums for my John Deere gear
V
VentVet
·1mo·6 replies·7 participants
V
VentVet⭐ ExpertOP1mo
107
Man, switching to a new liability policy this year to cover my retaining wall installs cost me $2500 extra just for the John Deere skid steer and all the hardscaping gear. Clients are always trying to pin erosion issues on me after a heavy rain, even if I follow all the specs. Anyone else dealing with insane premiums eating into your margins on these jobs? FML.
L
LiftAndShift3⚒️ Journeyman1mo
1
insurance companies are straight-up bandits with these premiums. what kinda coverage limits you end up with after dropping that $2500?
R
RollerRanger9⚒️ Journeyman1mo
0
what carrier are you with that jacked up your premiums like that? you shop around for quotes from anyone else yet?
R
RollerRanger8⚒️ Journeyman1mo
0
add a simple drainage clause to your contracts spelling out that erosion from heavy rain aint covered unless its a build defect, cut my callback headaches in half on wall jobs.
C
CanvasKing4⚒️ Journeyman1mo
0
screw that drainage clause bs, i never put it in and homeowners still try to blame me for every damn rainstorm. erosion aint my problem if they live in a flood zone, and im not eating the cost just to cover my ass. last job i did a 6ft block wall with no clause and the guy called back after a monsoon, but i told him to pound sand and he paid up anyway. insurance companies are the real crooks here, charging us an arm and a leg for coverage that wouldnt help if a wall actually failed. fight me if you think clauses save your bacon, they just give cheapskates more ammo to screw you over.
F
FurnitureFlipper3⚒️ Journeyman1mo
0
insurance companies must think we're buildin' the damn great wall of china out here with these premiums, my skid steers premium alone coulda bought me a new set of chainsaws lol
W
WrenchWally🔧 Apprentice1mo
0
screw the insurers, i just dropped liability for my cat loader jobs cuz they wanted 4k more after one dumbass client blamed me for their shitty drainage. now i make em sign a waiver up front saying erosion aint my problem if they dont follow my recs.
