General Liability Insurance?

[T.Brandon]

In order to get General liability insurance do I have to obtain my state horticulture license?

[DLAWNS]

I don't know about your state, but there is nothing like that in Jersey.

[T.Brandon]

Meaning? That I do need my Horticulutre license to carry G.L

[DLAWNS]

Well, what I mean is what is this horticulture license? Is it a pesticide license or is a BS license that the state made up just to charge you money? I don't think you need any kind of license to get G.L. I don't remember if I even had to show them my incorporation papers or not. But like I was getting at in my first reply, I could be wrong because it could vary state to state.

[Tommy Boy]

Most insurance agents could care less, go tell them (Not ask) that you need a quote for General Liability Insurance for a Landscaping Business with chemical application. You will get lot's of response back, they could care less if you have a license

[Big C]

In order to get General liability insurance do I have to obtain my state horticulture license?
No, in Louisiana you do not need a hort. lic. to get GL insurance..all they need is a rundown of your services and how many employees you have and just general info about your business....that's it.

[T.Brandon]

Thanks for the info, and I'm guessing thats what the horticulutre license is a money racket

[kootoomootoo]

To get the license in some states you need to have proof of gl.

You need a pulse to get gl Big difference.

[T.Brandon]

How much would I been looking at yearly for general liability

[DLAWNS]

I believe, depending on the area...that you will pay around $600-$800 a year.

[T.Brandon]

Anyone have any recomendations on insurance companys?

[TC Lawns]

I Just got my General Business Liability Insurance renewed. I am in Alabama and they did not require that I have my license. I have mine through Nationwide because a buddy of mine works there. I am not sure how much GL is by itself, but I have $1M yearly coverage in GL, and my equipment is also covered under my same plan. Because my equipment is covered my policy is $1005 a year. I pay about $87 a month. But its worth it is you need GL to get commercial jobs and also I rest easy knowing my equipment is covered. It doesnt take much for some thug to come cut a lock and steal some equipment, this could have you shut down for weeks or months if you dont have the extra cash to purchase new equipment. I think my equipment coverage is $10,000

[TC Lawns]

T.Brandon...
Nationwide Insurance (Tuscaloosa, AL.)
See Joe McCulley,
(205) 553-4300
Tell him Chad sent you, he can work you out a pretty good deal.

[DLAWNS]

They're not in my area, but a lot of guys on here say that Erie Insurance is good.

[TC Lawns]

I've heard the same thing about Erie

[T.Brandon]

Tc what are you paying for your insurance?

[TC Lawns]

Im paying about $83/mth. This includes $1M in liability, $10,000 in equipment, and I think $2000 in "installation"

[T.Brandon]

Tc, By calling the insurance co that is in AL will I be able to use it down here In louisiana?