Register free!
Search
 
     

Click for Weather
Reply
 
Thread Tools Display Modes
  #1  
Old 02-12-2002, 07:22 AM
MOW ED's Avatar
MOW ED MOW ED is offline
LawnSite Fanatic
 
Join Date: Jan 2000
Location: N.E. Wisconsin
Posts: 5,029
Some Insurance won't cover Spraying

I'm putting this here because it directly relates to spraying as well as business.

I have been searching for a new insurance carrier as my current one has gone thru the roof on prices and I got a funny call the other day from a State Farm Insurance agent.

My inquiry letter mentioned that I am a licensed pesticide applicator and that I was looking for insurance for liability and equipment coverage for my lawn care business. I said that I would like a seperate quote on the spraying end.

This agent told me that this nationwide company would NOT insure me if I sprayed pesticides. No way, no how. They don't offer a policy for that.

What the heck is going on here? Amyone run into this??

Also, if ya don't mind- What are you paying and thru what company?
__________________
Check out the SPONSORS, they keep this site going!!!
Reply With Quote
  #2  
Old 02-12-2002, 10:10 AM
Ground Master Ground Master is offline
LawnSite Senior Member
 
Join Date: Feb 2002
Location: colorado springs
Posts: 505
Check into American Family Insurance........although I';m not sure if they cover spraying, there rates seem very reasonable
Reply With Quote
  #3  
Old 02-12-2002, 02:18 PM
GroundKprs GroundKprs is offline
LawnSite Bronze Member
 
Join Date: Dec 1999
Location: South Bend, IN
Posts: 1,969
What is your exact situation???

That is what underwriters will look at in determining coverages. State Farm will not get involved in chemical liability; they made that decision years ago. That area is left to other underwriters and specialty companies. A specialty underwriter will know the field well, and know how to judge your liability setting. (State Farm does not choose to get into too many specialty areas; they are into more general coverages. Some agents will not even deal in business coverage.)

Questions a knowledgeable agent will want answered:
1- Most important: is your spraying the backbone of your business, or is it incidental to your overall services? (What percentage of your work time is spent on this, and/or what percentage of your gross revenues?)
2- Does your state pesticide regulations require a specific clause in the policy covering pesticide coverage? (Some general liability underwriters will sign a state form asserting limited pesticide coverage, but will not include a clause stating that in the policy.)

Have you checked with your state or regional lawn care association? Our state lawn care assn. years ago sought out agents who would be good in getting you this coverage. Prices are generally lower than going it alone, because these agents are dealing in volume from so many operators, and they don't have to spend a lot of time researching underwriters, because they know where to go.

Remember also that almost all insurance premiums are set by state, based on historical experience in the state with the covered business area. So price comparison is only valid to others in your state. The same underwriter might charge you three times as much as your buddy in the same sized business in an adjoining state, or 1/3 as much.
__________________
Jim
North central Indiana
<a href="http://members.aol.com/groundkprs/Entry/Educate.html">Learn About Turfgrass</a>
Reply With Quote
  #4  
Old 02-12-2002, 03:36 PM
Evan528 Evan528 is offline
LawnSite Silver Member
 
Join Date: Jan 2000
Location: Montgomery County, PA.
Posts: 2,144
I found out yesterday I passed my pesticide exmam. I marched right over to my insurance agent to add pesticide use on to my insurance plan! Cost me 50 dollars a year extra!:blob3:
Reply With Quote
  #5  
Old 02-12-2002, 10:31 PM
MJB's Avatar
MJB MJB is offline
LawnSite Silver Member
 
Join Date: Aug 2000
Location: Wa
Posts: 2,868
What a deal

Evan, Did you tell your ins agent you were a commercial applicator? My agent made me buy a separate $100,000 policy, from my business ins.
Cost about $800 per yr. Required before I could get my license sent to me. But I live in Wa St. could be more here. Check out your coverages etc so you don't have problems down the road.
__________________
MJB

2013 Exmark Pioneer S 60" Ultracut (Review with pics) http://www.lawnsite.com/showthread.php?t=410996

2010 Badboy Outlaw 6100 31 KAWI

2008 Exmark Lazer Z AS 60" U/C 28 Kawi

2000 Exmark Lazer Z 60" L/C Kawi 4100 + hrs strong
Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump





Powered by vBulletin® Version 3.8.6
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Copyright ©1998 - 2012, LawnSite.comô - Moose River Media
All times are GMT -4. The time now is 10:31 AM.

Page generated in 0.08387 seconds with 7 queries