Any good cheap insurance out there?

[lawnbridge]

I am price shopping my liability insurance that comes due this month. Do you guys have any good suggestions? Currently I am paying about 1200 per year for 1,000,000 each occurrence limit.

[LawnCare_EMT]

I am not sure if you would be able to qualify, it is here in College Station, TX, but I have an excellent insurance agent that found me a 1,000,000 liability plan for $404.00/year. The insurance company is ANCO insurance and it goes through Union Standard Insurance Group. If you would like further information E-Mail me at grasshopperslawnmaintenance@yahoo.com

[mattfromNY]

2 words that just dont go together... Cheap, and Insurance.

[lawnbridge]

2 words that just dont go together... Cheap, and Insurance.

I knew that reply was coming as soon as I typed it out.

[IN2MOWN]

I dont know about anyone else but I pay on a scale of my gross income. The more I make the more my rates are. Right now I pay about $500.00 a year for a $1,000,000.00 policy. Im solo BTW.

[Flex-Deck]

I use Farm Bureau Insurance, and it is in the $400-$500 range for 1,000,000

[mattfromNY]

I knew that reply was coming as soon as I typed it out.

Sorry, I had to do it. I just got done incorporating my business, and switching all my insurance (WC for myself and employee, Liability, commercial auto and Umbrella policy) to Erie insurance. I wrote the big check. :cry::cry:

[Black Bear]

Check and see if Farm Family Insurance does business in TX, thay have a great landscaper program. They are based in Albany, NY

[ponyboy]

cheap insurance is not good, good insurance is not cheap. i use farm family do not know if they are down by you

[ponyboy]

i do not think farm family is so cheap its that you get great coverage stay away from them on trucks way too much

[Exact Rototilling]

cheap insurance is not good, good insurance is not cheap. i use farm family do not know if they are down by you

. . . which brings up another question or thread . . .who has gotten hosed by their Ins Co." ;)

Anyone here insure with Farmers? Good or bad experience? :rolleyes:

[IN2MOWN]

. . . which brings up another question or thread . . .who has gotten hosed by their Ins Co." ;)

Anyone here insure with Farmers? Good or bad experience? :rolleyes:


Thats who mine is through. So is my auto and home. My agent is a buddy of mine from HS so I doubt he is going to try and stick it to me. So far though I have not had any claims. I do know this. The more I insure with him the cheaper it gets.

[ponyboy]

i think farm family is affeliated with them because i get a newspaper from farmers evey so often. Well stste farm did well they broker did not the co. long story short when i was new the brokers said yes yes yes to all my questions andthat was that i bought the insurance and 3 years lare my first claim trailer was broken into and wiped clean brand new mower / vac gone about 2 months old 7,500 well i quickly learned about marine inland policy. so lesson spend as much yime to actuallt see what you are covered for and ask any question you can think of they are just sales men make sure you cover your own ass no one else will (marine inland insurance is any 1 pice of equipment over $5000 has its own special policy so in 2 months that mowers cost me 2500 soinds stupid but i put all 7 seven snow plows on a policy and 5 salters also and my skid steer and my riding mowers i pay a lot into insurance but i expect to be there when i need it)

[IN2MOWN]

wow...:hammerhead::hammerhead::hammerhead:

[ProTouch Groundscapes]

1 million liability coverage for about 515 bucks a year. Im 21 years old, i think thats a pretty good price. have all my large equipment individually covered with about 4,000 in coverage for stuff like trimmers and hand tools.

[smcunningham]

I just switched from nationwide to Erie Ins today....I get 1.7-1/2mill gen lib that covers all aspects of lawn and landscape w/snow remov incl and 18,000 theft of eqmnt & a umbrella policy....for 879.00$

[TREEGUARD]

i just got a big increese in my auto with farm faimly. Needless to say i'm very unhappy with that cause i never had a claim.

[OhLawnGuy]

i use erie insurance and pay $385 per year for 1,000,000

[jeffex]

Ohio Casualty I pay $350

[bushog]

Auto Owners insurance .....

[mpickel]

The lowest I was quoted was $1,200 through Farmers, Hartford and Travelers. $1MM General. The other companies listed aren't available in Texas.

[barefootlawnsandlandscape]

The longer you are in business the more you can shop your insurance around. When you first start up there are only a few companies that will underwrite you. This is especially true with worker's comp coverage. Mine is going down signifcantly this year as it is my 3rd year in business. Now if I could only get my fuel supplier to do business this way I would be in hog heaven.

[zz4guy]

2 words that just dont go together... Cheap, and Insurance.

What do you get for paying huge insurance rates? If the contract covers what you need and it is a reputable company why should you pay more? I deal with my insurance company about once a year - when I pay the check.

I pay $300 for $2million liability and $550 for the truck and trailer, liability only.