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#1
08-12-2012, 01:09 AM
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Insurance prices
I am in the same boat as a few of you guys. I just started out this year and I don't have insurance. Since I am looking at this thing to take off and hopfully make a living for a little while whiling doind this I now am looking into getting insurance. What kind of pricing would I be looking at for for a basic policy, no empylees, and I am looking at a trcuk that has a snow plow. What are you guys paying who are in a similar position?
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#2
08-12-2012, 01:18 AM
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A policy basically for liability only with little or no protection for your equipment will probably run in the $400 to $600 range annually. As for the coverage for plowing, I don't have a clue, except to tell you that the premium for commercial insurance on my truck is a bit under $100 per month.
__________________
Neill Prater Dependable Mowing Service
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#3
08-12-2012, 01:20 AM
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Ok. I can definitely afford that. Thanks
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#4
08-12-2012, 02:52 AM
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I have State Farm. 1 mill liability plus up to $20,000 guaranteed replacement on my equipment is $58 a month. My truck and trailer are commercial liability and the payment is lumped in with my Mustang and my wife's Chevy Cobalt. It's $54 a month for all 3.
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#5
08-12-2012, 06:29 AM
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About the same where as Mr Martin. I do not do snow, it would cost about $1200 for the snow season. We just don't have that much snow around here.The competition for snow work is as bad as mowing if not worse.
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#6
08-12-2012, 07:46 AM
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damn, under 100 a month for commercial auto? the best price i could find was 135 a month with progressive. have a good driving record too. where'd you get it that low?
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#7
08-12-2012, 08:22 AM
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I have Allstate Commercial Liability only not full coverage, for $650/yr. Includes my truck and trailer.
__________________
Marcus Finney - Owner Finney Lawns Follow my updates on Facebook www.finneylawns.com
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#8
08-12-2012, 08:52 AM
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I pay under $600 a year for a 1m-2m policy. Truck, trailer and equipment are under $800 a year. Dig deep because NJ is a state that has tons of little laws. You might even have to carry WC on yourself to own operate a business. Better check into all that too.
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#9
08-12-2012, 05:07 PM
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THanks guys. And I know< NJ is terrible when it comes to the fine print laws. Thats another reason why insurance here is a must. But thanks for the input
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#10
08-12-2012, 09:23 PM
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i pay 800 a year for 2 mil with no workers. if you want to get state farm, you have to have 3 previous years of insurance. i have statefarm for everything and they still wouldnt insure me. i have one more year and i can get the statefarm rate
 . and i pay 100 a year for 5000 dollars worth of equipment :/ . that wont even cover one mower lol. I got that when i first started out and 5000 was a lot lol. now that wont cover one mower. i go through one of allstates underwriters and wells fargo.
__________________
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