Help me With Commercial Insurance.

[shortgrass01]

Please help me with Insurance; Mine's a bit messy.

I justed passed the Commercial Applicators and I am changing my Commercial insurance. I use Nationwide, and I was paying $65 per month for lawn mowing, and my trailer, two John Deer mowers. Basically that's it as far as equipment insured under my commercial policy. I was paying my only truck/work truck on a private policy at which was basic liability $70 per month.
I knew I would be adding Commercial Pesticides to my commercial insurance, just took me longer that I thought to get around to it.

As a semi solo, what can I expect to pay for insurance.
Ill be adding 100 gal Skid.
My guy doing my insurance, said this is his first one!! ( Commercial Insurance /Pesticide applicator ) at nationwide??

I did a little shopping for different insurance; It was very hard for me to find an insurance comp. that didn't third party their commercial insurance out to some other party...

Thank You

[fireman1173005]

good luck, most insurance companies don't offer this kind of insurance and have to farm it out.

[ATVracer]

Erie Insurance!

[fireman1173005]

one thing you will have to ask if you call a company from out of state is if they can sell in your state, they must be licensed by your states insurance commission.

[shortgrass01]

Yes, After recieving my letter from Clemson, One get a list of providers of insurance companies that provide insurance. I have been with Nationwide for so long im giving him a shot. I hAve a feeling that he is going to come back with somthing like 2200.oo a year. which will lead me to a different insurance company.

I avg one ticket every 4 yrs. and thats worse case. I hear of report and quotes on here of $700.00 -900.00 a yeaR.. which was a lot less than what i was already paying for just mowing commericaly..@$150 per month. ouch..

[DA Quality Lawn & YS]

Make sure you visit an independent agent. He can quote your ops with many different companies and find a good fit. Captives like State Farm generally are priced high.

If you are a solo op with no payroll, honestly your GL should be running you between $250-$500 annual including mowing, fert/squirts, landscaping, shrub trim, etc. GL is your most important coverage. As far as insuring your equipment, sure you want to do that? If you have a lot of high value stuff, go for it. If it is well used and worth less than you can afford to self-insure, don't waste your money insuring it.

[shortgrass01]

thanks brother, Right now just finding someone to give me a quote is rather tuff. Nationwide is still working on their quote; going on 48 hrs.
Aye, I agree with you, Im only insuring my truck and my trailer and two mowers. Havent gotten a skid yet.

[grandview (2006)]

Definitely find an independent agent .I use Peerless for mine ,and I looked them up but they don't serve your state. You may want to check also with you DEC to see what amount of insurance you need.

[shortgrass01]

well, still trying to find insurance, Nationwide My current Insurer finnialy said after a week, they wasn't able to insure the pesticides part. So It appears I will have to go outside my community to find Insurance. ugh

[DA Quality Lawn & YS]

Again, visit an independent agent. They can find a company that will cover fert and squirt GL, no problem.

[mngrassguy]

Check with these guys:

http://www.anla.org/index.cfm?area=&page=Content&categoryID=258