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  #1  
Old 03-25-2004, 11:55 AM
topcat topcat is offline
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Join Date: Dec 2002
Location: Bflo
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Partime & Liability Insurance

For those working lawn mtce only part time are you having a hard time getting liability insurance? If not who are you covered under. I tried to get added coverage through my now current Erie Insurance agent and he said they won't write a policy unless you can show 3 prior years of prior coverage loss results and you plan on operating full-time. Agent says Erie isn't interested. I have had two vehicles and home owners insurance through Erie and this agent for 5+ years and it appears it's time for a new agent and insurance company! Anyone have any suggestions?
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  #2  
Old 03-25-2004, 12:22 PM
Rook00 Rook00 is offline
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Join Date: Feb 2004
Location: Kansas City, MO
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Farmers Insurance Agent

I pay a hair under $500 anually for:
1) One full time liabiltiy at $1million
2) $10,500 worth of eqiupment
3) $4,000 trailer

No problem. . . in fact, I was only 18 when i got the policy
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  #3  
Old 03-25-2004, 01:18 PM
NickN NickN is offline
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Join Date: Aug 2003
Location: Alabama
Posts: 1,010
you may have to go with an independant insurance agent for a few years.If you do that with no claims,any insurance company should take you.
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  #4  
Old 03-25-2004, 03:10 PM
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twins_lawn_care twins_lawn_care is offline
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Join Date: Jul 2003
Location: Northern Illinois
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I've got American Family for 1mil/2mil for about $380 per year.
Part time here, didn't seem to matter much. It's just less time I have a chance of something going wrong on the job, so it's better for them! Might want to consider them.
solo operator only, plus inland marine.
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  #5  
Old 03-25-2004, 04:16 PM
WAGS LandL WAGS LandL is offline
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Join Date: Jan 2004
Location: York, PA
Posts: 82
I had a terrible time getting insurance my first year because I was
part time. You can try an independent rep, that's what I did. He
got me coverage through nationwide. Now policy is about $750
per year for $1mil liability and inland marine combined. I have about $30,000 in equipment and this includes snow removal. So
it is not too bad.
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  #6  
Old 03-26-2004, 02:36 AM
ADLAWNCUTTERS ADLAWNCUTTERS is offline
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Join Date: May 2001
Location: BUFFALO,N.Y.
Posts: 191
I'm from the buffalo area and i only do this part time ,call 681-0388 there in cheektowaga there prices are ok get a quote,good luck
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  #7  
Old 03-26-2004, 09:29 AM
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DLS1 DLS1 is offline
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Join Date: Jun 2002
Location: Kansas City, Mo. area
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Try Haulers Insurance Co. out of Columbia Tenn. I got it through Independent agent. I am part-time.

They will quote you a cheaper price if you don't have a sign on your vehicle.
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Old 03-26-2004, 10:11 AM
kr_straight kr_straight is offline
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Join Date: Mar 2004
Location: Washington PA
Posts: 5
I have run into the same problem but, an inpendent insurance company located in washington, Pa said they I could get their premium plan which was $500,000 liability for $500 dollars a year. I've been mowing for six years part time every summer, it is my first year trying to get insurance.
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