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View Full Version : Pesticide applicators insurace?


Fertboy
03-15-2006, 03:07 AM
Hey Folks,

New to the great site. I have been licensed in MD for 7 yrs Turf/ Ornamental. I worked for a mid sized company & left them to take over my fathers farm after he passed away in 04. Right now I have all my ducks lined up to open my own business fert/squirt, in a different part of the state 120 mi away. I would appreciate any help, suggestions on some insurance companies that cover pest applicators? Are the cost super high, due to the nature of work?

Thanks!

Ed

jim163
03-15-2006, 12:12 PM
out of all the insurance companies ive found erie is the lowest and they do this type of liability in my area. I found my insurance in the phone book from a company that advertised farms and farm equipment to be their specialty. same ball park i guess.

Rayholio
03-15-2006, 01:39 PM
Same here.. I just called everyone in the phone book... best price on a $100,000 policy was about $700 per year..

TLS
03-15-2006, 01:47 PM
Same here.. I just called everyone in the phone book... best price on a $100,000 policy was about $700 per year..

Based on what exposure?

$100K revenue or $100K of insurance?

There has to be different plans available.

You have one guy wanting to spray Round-Up along curb cracks, and then you have a 15 crew fert & squirt corporation.

Fertboy
03-15-2006, 04:03 PM
Thanks for the replies. In MD we need $300,0000 min. When you apply for a quote, will proof from Dept Ag, that you have held app license for several years help. I have been licensed without gap for several years, and would assume prior experience would be a factor they consider? I also hear about if having part of your busniess non pest, this helps rates. Will aerations,dethatching lawn renos be of help? It's funny I manage a farm, and I have all my crop pest spraying contracted through Royster Clark,just so I don't have to deal with this. I appreciate the help, this seems to be the only major hurdle I have no been able to jump.

Thanks! Ed

Fertboy
03-15-2006, 04:06 PM
New here,

Forgot to mention, I will be applying 3-way,manage,ester, pre emergent,fungi etc.



Thanks! Ed

Rayholio
03-15-2006, 04:45 PM
That's 100K of coverage. here is missouri, I believe that they only require 25,000..

TLS
03-15-2006, 05:06 PM
$100K.....$25K coverage! Why even have it?

You can screw up a LOT more fert'n and squirt'n than you can mowing lawns.

I just don't get the low requirements?

Rayholio
03-15-2006, 05:22 PM
LOL I dunno bro... When I renew, I'm going a lot higher.. just have to be carefull for now

olive123
03-15-2006, 09:08 PM
in s. fla when you bid properties (hoa's n such) they require a 1mil policy.

trentslawncare02
03-16-2006, 09:05 AM
Try Country Compaines...they were the lowest in IL