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View Full Version : Insurance Whats it gonna cost me??


Quail Creek LC
07-11-2003, 04:02 PM
Guys, next year I plan on getting into fert aplications. I have passed my state tests, but I am not licensed due to the fact that I need to show proof of insurance. Give me an idea what it is going to cost me a year. The state says that I need a minimum of $50000 liability. Thanks

lawndreamer
07-11-2003, 06:21 PM
I'm not sure on 50,000 I got a quote on mowing and trimming trees for a 100,000 liability it was 564.00 a year. I also got estimate on spraying fert and weed control it was 3000.00 a year for a 1 milllion liability policy. I have found that others in other areas get better rates. It depends on where you are located. 50,000 liability shouldn't be that expensive though. Kentucky requires you to get 1 million liability.

walker-talker
07-12-2003, 05:46 PM
I have 1mil GL with pesticide written in it for $1000 a year or $500 a year for each, however you want to look at it.

MATT

Lawn Solutions
07-12-2003, 10:53 PM
I pay $875 for 1 mil coverage for pesticide and limited pollution coverage. Just as info, if you are planning to do commercial accounts you probaly should go with at least 1 million in coverage.

bobbygedd
07-12-2003, 10:55 PM
who needs insurance, its for people who are afraid to take risks

Russ
07-13-2003, 02:34 AM
Indiana requires 300,000. Most commercial require 1 Mil 5 & 5 Total. I got the 5 & 5 for 1 mil total for $900.00 a year. 20% yearly increase or submit to a finical audit. Gotta pay the whole year even if your not working cause the ins. co likes it that way. Drop it for6 months and your screwed.

jeff_0
07-14-2003, 08:58 PM
i pay $213 for $500,000 that does include lawn care. mowing, fertlizing... i guess in md it's pretty cheap

Lawn Tek
07-14-2003, 09:06 PM
Originally posted by bobbygedd
who needs insurance, its for people who are afraid to take risks


Anyone who wants a fert License in this state .

Lawn Solutions who is your carrier ?

Lawn Solutions
07-15-2003, 04:35 AM
Evanston Insurance Company

Through my local Independent Agent

rodfather
07-15-2003, 07:22 PM
Originally posted by bobbygedd
who needs insurance, its for people who are afraid to take risks


bobby...statements like that make you sound like the old Lawn Chopper that got banned a while back. Now there was a clown (him) who once posted that you didn't need insurance cause if you got hurt on a customer's prop, you just go after the homeowner's carrier...LOL. What an ----- he was.

bobbygedd
07-17-2003, 02:19 AM
thats my point, no insurence, no license, save $$$$ . just go out on sunday mornings, early, no one will see u