View Full Version : Insurance How much$$$???

12-20-2007, 04:19 PM
I've not cut grass for customers since I was a Kid, But want to get back into it, you know what they say, "Your Life goes Full circle!" I'm concerned since seems alot of people are "SUE" happy, rather than work an honest days work. What amount of Liability insurance should I obtain and what price am I looking at paying?? Any and all responses are greatly appreciated. I'm in Terre Haute, Indiana, Thanks Harry:confused:

12-20-2007, 04:36 PM
Harry I'm new but I have been reviewing this site quite a bit. The normal liability insurance has been 1 milion. I got a quote for $633.00 and $863.00. The last quote also cover my equipment if stolen.

12-20-2007, 05:34 PM
Mine is a little over $400 for 1 million

12-20-2007, 11:32 PM
Is that per year? do you make payments monthly or is it all due up front? thanks...

Grass Happens
12-20-2007, 11:36 PM
Mine was ~350 a year for a million, paid monthly.

12-21-2007, 01:51 AM
yes mine is per year, one payment.

12-21-2007, 02:29 AM
wow, what insurance are you guys using in IL, State Farm told me like $1000 for 1 million. Please help asap. lol. Thanks guys.

12-21-2007, 02:48 AM
we pay around 800$ for 1 mil.
Had a break in, this summer, they got 10 grand worth of equipment. We got a check for 3000.00 depreciation is a sob.. Most of equipment was less tahn three years old.

Grass Happens
12-21-2007, 03:58 AM
wow, what insurance are you guys using in IL, State Farm told me like $1000 for 1 million. Please help asap. lol. Thanks guys.

American family. My first year was 300K and the next year i bumped it to a million, and my premium stayed the same. I don't pretend to understand insurance. I just pray i dont need it. However this was just for me as a sole operator, 5k in equipment coverage and just lawn mowing.

12-21-2007, 09:39 AM
I haven't seen the details, but an insurance man at my church quoted me $159/yr for the minimal liability coverage, and $204/yr for $1 million coverage. I am a part-time solo operator, so I guess that makes it lower than if I had more employees and more properties.

12-21-2007, 10:26 AM
I have a 1 million dollar policy and pay about $500 a year. I am solo doing this part time and from what I have gathered that does not make too much of a difference.

12-21-2007, 12:17 PM
wow, what insurance are you guys using in IL, State Farm told me like $1000 for 1 million. Please help asap. lol. Thanks guys.

American Family

12-21-2007, 01:32 PM
West Bend Mutual

12-22-2007, 12:06 PM
American Family gen. liability $2 million runs me about $350/ 9 months.

12-22-2007, 11:34 PM
Hey!!!!!!!! Great feed back........Thanks this gives some where to start and what to look forward to as far as $$$$$ goes, thanks again everyone and Have a Merry Christmas Harry

shane mapes
12-23-2007, 12:18 AM
it depends on where you live , work , how much stuff you have and how many employees you have .. i personally pay $1975.00 per year . we pay monthly $164.58 . we mow p\t and we mow 12 months out of the year .....so it all depends on more then you think ... also this is for 1 million and includes the trailer and stuff on it ..

12-23-2007, 09:19 AM
Mine is 903 a year 1 payment. 1 Mill plus theft rider

12-23-2007, 08:56 PM
I'm solo and everything is Paid, 1 million liability plus theft would be a good starting point when approaching an insurance agent about Insurance, I'm located in Terre Haute indiana, Central west-side of Indiana, any more Info is always appreciated.......Harry

12-26-2007, 01:04 AM

12-27-2007, 03:42 AM
I'm in NJ and pay 1200 a year for 500k gl with 2 1mil umbrella packages and 500k or 1mil advertising, some other stuff cant remember 15k equipment if hit on trailer, stolen, blows up, etc... covers all lawn mowing, pesticides, small tree removal, residental snow plowing, blah blah blah, works out to 96 a month, paid a 300 down payment; quote was a litter higher than another but they were hard to get in touch with and my current broker will get back to me in the same day, communication and good service is more important to me than a few hundred bucks, you pay for better service. Also NJ insurance is crazy, but im 18 so I suppose its good and for commerical vehicle for me I got a deal with staying with the provider my parents have allways used for 1750 a year, with is a steal in my state for my age and the size of my truck! HAHA lol, my current broker quoted me 2600 a year! Huge savings for me!!!:cool2:

12-29-2007, 03:18 AM
Want to drive an insurance agent nuts?...... need insurance in 2 states with one of them being Florida, and then add in 12 months of operations, and working from ladders and lifts for 3 months a year (Christmas lights) ...... when he quotes me I think he has a seizure as the total cost seems to have a lot of extra numbers in it!!! Then have him add in workers comp and all the rest to met the standards in Florida and Alabama ..... I wish I could get insurance for less then mid 4 figures:dizzy: