am i paying too much for insurance

[zmowingmaster]

hi, did some search here.
solo operation.it looks like mostly everybody is paying less than 500-600 bucks in general liability
why mine is 897.
I noticed Erie insurance has a good reputation on this site.called yesterday KABOOM 750.
OK that is better,i may be signing with them very soon
But how about the people here who state that they pay 380 or 450.
PS all are 1mil/2mil 500 deductible.Erie is throwing in 5k in equipment damages.It is good for me since as my signature says,my wright is my biggest equity.
i may change my truck's ins to them also.1263 for comm ins 08 f250 04 trailer and 08 plow.
Do these numbers look good
Thanks

[YardKeeper08]

My 1mil is $31.50 a month w/ American Family Insurance.

[LBLC_LCO]

paying $401/year for $1 mil.

[hiringus]

My Erie general liability is 459 for 12 months. Oh and I think it would be less if i paid it all upfront. I like how Erie lets you pay quarterly though.

[bohiaa]

the quots you will get HERE. are like " I pay 401 a year "

this telly you NOTHING, read your policy, compair it to other co's. in YOUR area. shop around. BUT only you know the issues you have.

here lately we have been having a high volume of glass breakage. I change my policy almost yearly. I have zero deductable on glass.
there's a reason you fine tune, or customize your policy.
one size DOES NOT FIT ALL..

[IRRITECH]

Insurance is genrally based on payroll. The less it cost the less people are making. My company sends me an audit for every year to see if I am making more (so they can raise my rates)

[bohiaa]

Insurance is genrally based on payroll. The less it cost the less people are making. My company sends me an audit for every year to see if I am making more (so they can raise my rates)

it's all like that, they audit you, because people dont declair there equiptment, and or employees. if you go buy a new mower, and dont call the insurance Co. then break something with it, most people then make a claim on a covered mower, and NOT the one that did the dirty work. it kind of screws over the insurance co.

[Loadsmasher]

paying $401/year for $1 mil.

What company is this through?

[Turf Commando]

$350 every 3 months ....for Million liability /Umbrella...