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Old 04-20-2001, 04:49 PM
MO & GO MO & GO is offline
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Join Date: Apr 2001
Location: BUFFALO NY
Posts: 4
What are some of the insurance rates are u paying and what insurance company is giving the best rates?? also how much liability ??
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Old 04-20-2001, 08:32 PM
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Avery Avery is offline
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Join Date: Mar 2001
Location: Kitty Hawk, NC
Posts: 1,389
We use Travelers. They had the best rate at the time we checked. Cannot really tell you what the rate is. Office manager pays the bills. All of our equipment and hand held power tools are covered and we have a commercial package that covers our vehicles as well as 2.5 million in general liability. We have had few claims, but they were easy to work with on the ones we have had. One claim happened when an employee was doing some road side mowing and threw a HUGE stick that hit the side of a car. Just so happens that the car was owned by one of my competitors. My luck! We fixed the car, and now do the roadsides with a Toro 325D with a flail deck. No more missiles.
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Old 04-20-2001, 10:40 PM
eslawns eslawns is offline
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Join Date: Jun 2000
Location: Portsmouth, VA
Posts: 712
I have a 1M general liability, with a 3M aggregate (whatever that is) and it runs about $600 a year. I'm looking for a new company to deal with. The agent I have never returns calls, and acts like he doesn't need or want my business.
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  #4  
Old 04-20-2001, 11:47 PM
lawnboy82 lawnboy82 is offline
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Join Date: Jan 2001
Location: westchester county, N.Y.
Posts: 957
i am paying 4,300 a year for 1,000,000 dollars of coverage (gen liability & 1 w/c ) i am covered for tree work / landscaping / and snow. i am gonna switch to the hartford next year for a better rate. right now i dont know who i have.
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  #5  
Old 04-21-2001, 10:09 PM
Ocutter Ocutter is offline
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Join Date: Jun 2000
Location: S. Jersey
Posts: 314
Paying 4600.00 for 2 mil policy. Covered for pesticides too. I tried Hartford a while ago. They were one of the expensive ones. I guess it depends on where you live too.
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  #6  
Old 04-21-2001, 10:37 PM
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lee b lee b is offline
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Join Date: Dec 2000
Location: Red State, so don't blame us
Posts: 4,816
$350.00 a year for 1 million liability and full coverage on equipment.
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  #7  
Old 04-21-2001, 10:44 PM
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Guardian Guardian is offline
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Join Date: Sep 2000
Location: Florida
Posts: 269
Nationwide: 1 million Liability and coverage on equipment for $700 /yr. (Aggregate: Total amount of claims paid ,but not on a single incident. If you have a 1 million dollar policy, chances are you are only covered for $500,000.00 on any ONE claim.)
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  #8  
Old 04-21-2001, 11:13 PM
Redmowers Redmowers is offline
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Join Date: Sep 2000
Location: Upstate New York (way above Albany)
Posts: 130
lee, who is your provider? almost seems too cheap!
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  #9  
Old 04-21-2001, 11:20 PM
David Gretzmier David Gretzmier is online now
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Join Date: Mar 2001
Location: Fayetteville,AR
Posts: 3,656
we pay 4 grand on workmans, about 3 on truck and another 3 on liability and theft of equipment. it is all bases on payroll and to a smaller degree on worth of equipment. Dave
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Old 04-21-2001, 11:28 PM
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TLS TLS is offline
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Join Date: Jan 2000
Location: N&W Philadelphia Suburbs
Posts: 7,938
Erie Insurance, 1M Each Occurrence, 2M aggregate plus $5000 each addl. person, including snow plowing $367 per year. Property/Equipment premium for approx. $13000 of listed equipment (inland marine) plus misc. tools, etc is $196 per year.

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