Maryland solo - insurance quotes (Erie & Harford)- seems high to me..

[Lawn-Scapes]

I got 2 quotes today trying to find something cheap after searching through and reading some of the posts here at lawnsite. A saw a lot of you getting good rates ($300-$400) for a $1 million gen. liability policy.

I went to a local insurance agent that was on the Erie website. Told him I was a solo lawn care operator. He asked if I did snow or spray applications. Told him no. He gave me a quote of $518. I know this is not high compared to what I read some of you are paying, but it's not close to the $350 most others using Erie... He siad he'd work up a quote for commercial truck & trailer insurance and get back to me. I don't know why he couldn't work it up then and there?

Second quote was through my Geico insurance company. They don't personally do commercial or general liability but got me a quote through Harford. $897 for GL and $1293 for commercial. $897 makes the $518 quote look fantastic... $1293 is rediculous! Is this because I went though Geico?

I was all excited to go price shopping after I read all the posts but it wore off quickly...

Tomorrow I'm going to try another agent for Farm Family insurance... See what happens...

[syzer]

Thats probably about right we kick out about 1300 a year for insurance.

[Richard Martin]

Your Harford price is because you went through the Geico agent. I have my liability and equiptment ins. through Harford and it's $642.00 a year.

[kturner]

Yeah, ours is 1200 a year and I couldn't find better. I knew it should have been less. I'll have to see if Hartford is in the area.
Thanks.

[Island Lawn]

$750-ish
1 mil gen liability and "contractor stretch" to cover equipment.
Hartford

[dhicks]

I have Erie insurance and I have a one/two million coverage for liability. All tools, mowers, and trailer are also covered against theft or loss and fire or destruction. I even have a snow plow coverage as a rider to the policy. My rate hovers around $500 mark per year. Gieco's affiliate wanted about $900.00 per year for less coverage. What a rip off.

[Richard Martin]

Just so you guys know, there is a difference between Hartford and Harford. My spelling was correct and not a typo. Harford is a Maryland based ins co.

[Vandora Lawn & Landscape]

Good ole' HARFORD County

[Lawn-Scapes]

Thanks for the feedback guys...

I wish you guys were a little more specific... Is it $1200 - $1300 total (truck and GL)?

Richard do you have a direct contact for Harford?

I got a quote from Nationwide:

GL - $1,000,000/2,000,000 - $529

IM - $12,000 equip coverage - $268

Comm/truck ('95 Dodge 1500) - $250,000 - $1268

I still can't get over the price for the comm. truck insurance. It's double the price of regular auto... :(

Waiting to hear back from another agent on Farm Family...

[Richard Martin]

TSG wrote:
................................
Richard do you have a direct contact for Harford?
.................................

Harford is available through Independent Insurance Agents. Phone 1-410-838-4000

[Loosestrife]

It is next to impossible to comapre insurance proces on this level. There are too many varible factors that will effect prices. Location, driving record, vehicle type, location of equipment storage, age...