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View Full Version : Passed Test!! Need Insurance!!!


TMlawncare
03-05-2004, 08:57 PM
Got my test results today. I passed both the core and the turf/ornamentals. Spoke with my insurance agent today to fill out the state issued insurance forms. She earlier told me my general liab. would cover pest. apps. When it came down to fill out the forms she had me to speak to the Cameron Mutauls corp. office and the man said that if I only spray cracks and some edges they would cover it. If were doing the whole yard we need to look elsewhere. Now I find that getting pest. insurance isn't like getting car insurance, nobody wants to touch it.

SodKing
03-05-2004, 09:04 PM
Hortica insurance (http://www.hortica-insurance.com/)

TMlawncare
03-05-2004, 09:15 PM
How much doe a pest app policy from hortica cost (approx)?

specialtylc
03-05-2004, 09:18 PM
Many of the insurance carriers have dropped it from their coverage packages in the last two years. Its getting harder to get and costing a lot more. This is all thanks to 9-11.

TMlawncare
03-05-2004, 09:32 PM
I've been finding the same thing.. Once I till them I want pest. ins. they till me they don't offer it but they will look around. I've been getting this all day.

SodKing
03-05-2004, 09:34 PM
Insurance costs are tied to the size of your company. 3 years ago I was paying almost $40,000 per year. I switched to Hortica, a company that better knows our business, and I should be paying around $16,000.

Tscape
03-05-2004, 09:36 PM
Hortica won't touch you unless you do big dollars or pest control is a small portion of your business.

SodKing
03-05-2004, 09:37 PM
Give Hortica a shout, they know our business. The pest control rider from hortica is $200 I believe, I was paying over $6000 from a company that didn't know our business.

I am more than happy with Hortica.

SodKing
03-05-2004, 09:38 PM
I would have to disagree. We do do big dollars but pest control is a huge part of the company.

TMlawncare
03-05-2004, 10:59 PM
Sodking and others, so a pesticide policy from hortica should be approx. $200-300 per year??

GarPA
03-06-2004, 03:30 AM
well maybe I;m misinformed by my agent , but ERIE includes this coverage within the standard "landscape/lawn maintenance" rating classification.More than once I;ve asked my agent to make sure we're covered. We dont do allot of it as we sub most of it out but they never asked "how much do you do", before offering the coverage. My liab premium is only about $1200 per year. I've been told that ERIE likes small contractor type businesses but I dont know if they write in more states than the Mid Atlantic region. Great company to work with

Advanced Lawncare
03-06-2004, 04:58 AM
Mine is through CIU and is on the general liab policy. If you want to deal with an agnet in columbia pm me and i will get you his information. Ted

SodKing
03-06-2004, 07:52 AM
TM the rider is $200-300. That "rides" on top of your general business policy. I am not sure what that policy would cost you, but since your small I would guess that is fairly low. You won't know untill you call.

jsr2741
03-07-2004, 10:56 PM
PJC out of Springfield. When I asked the Dept. of Ag they wouldn't endorse any one company but PJC and another company here in St. Louis (I don't remember their name) were the two names they gave.

I went with PJC because they called me back after I asked for a quote. Unlike the other.

TMlawncare
03-09-2004, 12:56 PM
Thanks for all the references and help. I now have a couple companies working on quotes. I wish we had a forum like this 8 years ago when I got started full time, a lot of poor decisions could have been avoided.

GarPA
03-09-2004, 01:38 PM
aside from my busting my arse and knowing a little about the landscape side of the business, Lawnsite is the single reason we've been as successful as we have in only a few years

I'd pay to belong here if I had to...