Liability Insurance

[jerseyboys]

Just checking numbers..............I am a one man, part time landscape company. What does anyone in a comparable situation pay for liability insurance? I am looking to change mine, so if anyone could recommend a insurance company if would be appreciated.

[MLI]

Around $1500.......for 1 Million

[djlawn]

Try Farm Family Insurance. They have been good to me.

[borwicks]

I am with my second Insurance company and they based it on gross income you expect to make in 1 year, at the end of the year I get a audit sheet that I have to fill out and turn in. Doing light landscaping, no digging with skid steer below 6", snow removal, mowing, chemicals was fee is 1.5% when I added tree removal it went to 3.5%

[joshco84]

im with state farm and have half a million at the moment.

its set up for mowing, light tree work, cleaning gutters, and shrub trimming it is 45 a month i believe.

Going to have to add chemicals to it this year though.

[borwicks]

im with state farm and have half a million at the moment.

its set up for mowing, light tree work, cleaning gutters, and shrub trimming it is 45 a month i believe.

Going to have to add chemicals to it this year though.

FYIState Farm would not insure me when I told them I was starting chemicals and tree removal. I got a quote from my broker and same policy with them was cheaper than state farm.

[Ruben Rocha]

OOH, When you talk chemicals then the insurance company talks money.
I am with nationwide but for liability it is with. TAPCO They underwrite chemical applicators.
Not sure about tree removal since I don't do that.
But if you fess up to other than normal mow and go . Expect to pay more per payroll.
BTW for chemicals and mow and go one man operation with $1M I pay about $900.00 per year.

[kj330]

I am a one man show in CT. I pay 1200.00 for the following with a 2million policy with Travlers ins.It covers lawn mowing, general landscaping, pellitized fert, light tree removal, skid steer no more than 12" deep. snow plowing,instalation of doors, windows, siding, building additions and sheds

[THEoneandonlyLawnRanger]

Erie Insurace 300 a year for 500,000-1,000,000 liablility only. no equipment covered.

[lawnpro724]

im with state farm and have half a million at the moment.

its set up for mowing, light tree work, cleaning gutters, and shrub trimming it is 45 a month i believe.

Going to have to add chemicals to it this year though.O



Our State Farm agent said they didn't offer a commercial liability policy for the landscaping business. I'm with Pekin now and have been for awhile and they have great rates but not sure if their available nation wide.

[djagusch]

They charge by sales. I'm getting 1.6% of sales. So every $1000 in sales I pay $16.

[ExtExc]

1 mil/2 mil agg. liability, 10k inland marine arond 550 a year + truck and and trailer full coverage around $950 for a total of around 1500 a year