Just getting started, insurance and contract ?'s

[jasonw]

Hello, I am helping my brother get a lawn maintenance company started and have some general business questions. We are located in southeastern Michigan and he has a 48-inch Bobcat and a 36-inch Exmark Metro HP walk behind to work with.

1. How much should he be paying for business insurance and can anyone recommend a company to get a quote from. I have got two quotes already and they were $825 and $925 for $500,000 of coverage per incident, for the year. Does this sound about right?

2. Can anyone recommend somewhere to get a sample lawn maintenance contract?

3. How much should workman’s comp cost to add an employee part time when it becomes necessary?

Thank you
jason W