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  #1  
Old 05-16-2011, 11:48 PM
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lukepais15 lukepais15 is offline
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Location: Ft. Collins, CO
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Help on insurance for lawn company

I want to get insurance, but dont know if its worth it, I need your help! I would want insurance mostly so I can start doing commercial lawns. But how much is it? Also what companys have "good insurance"

Any help would be greatly appreciated
Thanks
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  #2  
Old 05-16-2011, 11:57 PM
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nightshutter nightshutter is offline
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Call you insurance agent and ask if they do business as well. Yes get insure. If you break a window with a rock, Do you want to pay for that out of pocket? Burn lawn with fert, You have the money to replace 10k of sod for a commercial building? Price depends on how much coverage you want
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Old 05-17-2011, 12:01 AM
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lukepais15 lukepais15 is offline
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Quote:
Originally Posted by nightshutter View Post
Call you insurance agent and ask if they do business as well. Yes get insure. If you break a window with a rock, Do you want to pay for that out of pocket? Burn lawn with fert, You have the money to replace 10k of sod for a commercial building? Price depends on how much coverage you want
Thank you very much for the help! This helps a lot!
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  #4  
Old 05-17-2011, 12:37 AM
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BINKY1902 BINKY1902 is offline
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I pay $500 a year for 1/2 million coverage, which is what my commercial properties require.
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  #5  
Old 05-17-2011, 05:04 AM
dhardin53 dhardin53 is offline
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Ask for general liability insurance.This will cover you from any damaged you cause on a client or passer by and property damage. Ask for window breakage, some will sneak this in as exclusion and you don't know it. And some times pay as much as if you had widow breakage coverage. Shop around. While your making the plunge you might look into commercial vehicle coverage for your truck and trailer. Your just as apt to have or be involved in a traffic accident as you are cause injury or damage while mowing. Without commercial vehicle policy your chances of getting your current policy to pay much of anything after a accident is slim to none. Your using your truck in a commercial way and your regular auto policy will not cover all the expensive equipment you have.

My 2 mill liability and commercial auto is around $1300 a year.
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  #6  
Old 05-17-2011, 10:09 AM
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nightshutter nightshutter is offline
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Quote:
Originally Posted by dhardin53 View Post
Ask for general liability insurance.This will cover you from any damaged you cause on a client or passer by and property damage. Ask for window breakage, some will sneak this in as exclusion and you don't know it. And some times pay as much as if you had widow breakage coverage. Shop around. While your making the plunge you might look into commercial vehicle coverage for your truck and trailer. Your just as apt to have or be involved in a traffic accident as you are cause injury or damage while mowing. Without commercial vehicle policy your chances of getting your current policy to pay much of anything after a accident is slim to none. Your using your truck in a commercial way and your regular auto policy will not cover all the expensive equipment you have.

My 2 mill liability and commercial auto is around $1300 a year.
I better double check with mine and make sure they didnt try and slip anything past me. Thanks
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  #7  
Old 05-17-2011, 11:39 PM
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SLMGT SLMGT is offline
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Check out Hortica.com.
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  #8  
Old 05-17-2011, 11:45 PM
Mikegyver Mikegyver is offline
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If you are under 18 it is almost impossible to get, also you will have to charge sales tax to be able to get those commecial ones.
mike
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  #9  
Old 05-18-2011, 12:16 AM
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mowerbrad mowerbrad is offline
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I have $1mil/$2mil general liability policy and its about $800+/- a year. It covers all my equipment and protects me should something happen. I go through Farm Bureau.
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  #10  
Old 05-18-2011, 07:34 AM
Raymond S. Raymond S. is online now
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Brad, Your liability covers all your equipment? Are you sure about that? My liability is just that, liability. I have a separate inland policy that covers my equipment. I pay around $600 for $2mil liability and another $700+/- for my equipment rider. Commercial auto is another story.
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