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Old 08-05-2013, 10:51 PM
TwoGuyswithMowers TwoGuyswithMowers is offline
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Join Date: Jul 2013
Location: Walker, LA
Posts: 137
Where to go for general liability insurance?

I've got my first commercial account locked up, so I need to get general liability insurance lined up before I begin work this weekend. Where do I go to find the best prices? I'm going to start with the company that I have my auto insurance through, but would also like some other quotes. This particular account doesn't even have a minimum requirement, as long as your are insured, but I am looking for $1M in coverage so I can go after other commercial accounts.

And out of curiousity... what's a ballpark estimate of what I'd pay for $1M in coverage? There are only the two partners in the business and no hired help. And I don't believe we have enough money tied up in equipment to need to insure it.
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Old 08-05-2013, 11:10 PM
Southern Heritage Southern Heritage is offline
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Join Date: Oct 2012
Location: Birmingham Al
Posts: 169
I use a company called Alfa. I price it every year but always been happy with them. Unfortunately had to make a couple of claims over the 8 years I've had them. Always treated me right. Never gouged afterwards. As for cost I'm not sure on just a million. I have. Everything in my business bundled.
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Old 08-05-2013, 11:14 PM
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White Gardens White Gardens is offline
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Join Date: May 2008
Location: Bloomington IL
Posts: 6,783
We've used auto-owners for the last 5 years and couldn't be happier.

Had a mishap on our dump truck that crushed the rear corner and messed up the drop-side and rear pillar for the drop-side/tailgate.

No hassles, no adjuster, two estimates and sent a check in the mail. Truck was fixed and on the road in no time.

Though, it was an auto claim through them, I could only imagine that a liability claim (which we have with auto-owners) would be a smooth and simple.

White Gardens On Facebook.......WG Thread......Greencare For Troops......... construction)

2005- Completion of University of Illinois Master Gardner's Program.
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Old 08-05-2013, 11:34 PM
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Nate'sLawnCare Nate'sLawnCare is offline
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Join Date: Apr 2012
Location: Nashville, NC
Posts: 1,001
I have a policy with Nationwide and no claims yet, but the rate was very reasonable.
Snapper Pro S200XT 36 HP Big Block
BOP 36 Inch Dually
Honda HRX217VKA Mower
Husqvarna 223L Trimmer
Husqvarna 326LS Trimmer
Husqvarna 580BTS Blower
Husqvarna BT150 Blower
Kawasaki KHDS600 Hedge Trimmer
Toro Multi-Tool
RedMax BM46i Backpack Sprayer
Carry On 5.5 x 10 Open Trailer
2004 Toyota Tacoma

The next time someone complains about your pricing, ask them how much their barber would charge to come over and cut their hair.
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Old 08-06-2013, 12:50 AM
TruSomethingOrOther TruSomethingOrOther is offline
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Join Date: Feb 2012
Location: Rockford Metro, IL
Posts: 171
I have Country Companies and with the truck, trailer, and all tools with business liability insurance I run around $180 a month. Full coverage for everything.
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Old 08-06-2013, 09:28 PM
underESTIMATED underESTIMATED is offline
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Join Date: May 2010
Location: Akron, OH
Posts: 127
Westfield here.
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Old 08-07-2013, 12:55 AM
TwoGuyswithMowers TwoGuyswithMowers is offline
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Join Date: Jul 2013
Location: Walker, LA
Posts: 137
I tried the company I get auto insurance through and got a quote for $1221/yr for $1M. Then I tried another local company near my house and got a quote for $754/yr. I think I'm going with choice number 2. It also has me thinking I need to get more quotes on auto insurance.
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