Insurance

[Alf1096]

I have one insurance company quoting me for insurance she estimated to 1M approx 4000 a year. This seems really high to me. Who do you use and what is your premium. I will only be doing fert and weed control.

[cgaengineer]

Just liability? If so that is extremely high.

[Grassworks Inc.]

Pesticide coverage. Pollution liabilty. That's over and above basic business liability.

[cgaengineer]

Originally Posted by Grassworks Inc.

Pesticide coverage. Pollution liabilty. That's over and above basic business liability.

Not for me it's not...
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[Alf1096]

The one for 4k mentioned the polution liability and stuff. Just got a quote from another company for 700 for 300k liability and 10k in equipment.

[cgaengineer]

Originally Posted by Alf1096

The one for 4k mentioned the polution liability and stuff. Just got a quote from another company for 700 for 300k liability and 10k in equipment.

That sounds about right...ours is about that but covers pesticides.
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[Grassworks Inc.]

make sure the policy states "pesticide coverage". You may not be able to get a state pesticide business license otherwise.

[Alf1096]

Originally Posted by cgaengineer

That sounds about right...ours is about that but covers pesticides.
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Which one is about right the 700 or 4000

[cgaengineer]

Originally Posted by Alf1096

Which one is about right the 700 or 4000

$700
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[humble1]

Originally Posted by Alf1096

Which one is about right the 700 or 4000

We pay more than that, we use Philadelphia insurance they write for a lot of pco's . What we ran into is companies don't want to insure 100 percent chemical operators, if you do lawn mowing and feet then there is limited exposure on their end. Once u r 100 per fert and squirt 100 percent exposure for chem spill etc. just like lawn care or buying a car you get what u pay for. personally take a hard look at what your getting
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