View Full Version : INSURANCE

08-24-2000, 07:28 PM
Who's got it and what do you pay? How much liability do you cary?

08-24-2000, 07:38 PM
I have full coverage on everything. I pay a certain amount for all the small things, blowers, trimmers, etc. My walkbehinds and Laser are seperate do to the fact that they are worth more. Two trucks, two trailers, all of my equipment, 1 million in liability, comes to a total of about 2500 a year. Which too me is pretty good. Insurance is a must. It helps to get accounts too.

08-24-2000, 11:43 PM
$2 Million liability coverage; automobile insurance on 2 trucks and 2 trailers; replacement value on scheduled equipment (walkbehinds, ZTR and snow plow); insurance on all tools and other equipment. Yearly cost: $2600/yr.

08-24-2000, 11:51 PM
liabilty- $460 for 1 mill of coverage
truck- $1700 (aprox.)

08-25-2000, 01:21 AM
1 million on liability for property maintence & mowing, plowing etc.. (excluding excavating), and replacement value on mowers, trimmers etc.. -- costs me $750 & the farm dues which is another $75 a year

08-25-2000, 01:30 AM
1 million liability (standard amt. nowadays)
Inland marine coverage on equipment, trailer, etc.
Full coverage for truck w/ snowplow ammendment
Cost: about $1550 per year, & worth every penny!

08-25-2000, 02:19 AM
what insurer do you use?

Eric ELM
08-25-2000, 09:02 AM
Ditto on Smitty's post. I didn't want guys to think we didn't have insurance. I would hope everyone has all this insurance coverage.

08-25-2000, 09:28 AM
Same a s Smitty, Allstate and State Auto.

AGG Lawn Maintenance
08-25-2000, 09:45 PM
One Mill liability Insurance and Commerical truck insurance
$2,500 a year.
Travis AG&G lawn Maintenance

08-25-2000, 11:27 PM
Insurance is charged based on your exposure. It matters whether you gross $50 K or $500 K per year, so just asking what people pay total is not accurate. Our liability, for the classification of "Landscape gardening ( 97047)" costs $9.23 per $1000 net remuneration (payroll + owner's income).
Your classification can make a big difference in the rate you pay. Are you maintenance, landscaping, tree work, or chemical apps? If you only have landscape gardening coverage and do a lot of tree work, you are skating on thin ice.
BTW, a SEARCH on "insurance" will turn up over a dozen threads and many comments from people who do not repeat their advice whenever someone asks a question that has been dealt with extensively in the past.

08-26-2000, 07:56 AM
Easy Big Jim just curious what it's setting people back is all