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  #11  
Old 10-07-2000, 01:16 PM
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KirbysLawn KirbysLawn is offline
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Location: Just east of Charlotte, NC
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$315 per year, $1 million coverage, one man show.
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  #12  
Old 10-07-2000, 05:22 PM
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Keith Keith is offline
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Location: Central Florida
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Quote:
Originally posted by TGCummings
$550/year for $1/$2 million. $4500 inland marine itemized & $2000 general on equipment. One-man operation.

Keith, Mow Ed, who are you using?

-TGC
Nationwide
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  #13  
Old 10-07-2000, 06:54 PM
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Runner Runner is offline
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Location: Flint, Michigan
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Holy Smoke! By the sounds of what some of you guys are paying,-for what you are getting, I think I better shop around a little bit for next year!
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Thank you, Dad - for always being the dad that you were. You truly are my hero. You always were.
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  #14  
Old 10-07-2000, 07:59 PM
Toddppm Toddppm is offline
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Join Date: Jun 2000
Location: VA
Posts: 268
Man i wish. Just paid my 1 mil. liability and equip. ins, $3200. Hard to find coverage for the tree work part of my bus.

[Edited by Toddppm on 10-07-2000 at 11:41 PM]
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  #15  
Old 10-07-2000, 08:58 PM
tpirobert tpirobert is offline
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Join Date: Jun 2000
Location: Asheville, NC
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$500/year, 1 million coverage and $250 deductible. Dropped full time employees, so expecting refund on workers comp..
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  #16  
Old 10-07-2000, 10:23 PM
landscaper3 landscaper3 is offline
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Join Date: May 2000
Location: Southern, Maine
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We carry one million in contractors insurace the term cost is $300.00 a year which also covers $45,000 worth in our equipment, then its $800yr for workmans comp per employee.
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  #17  
Old 10-08-2000, 11:46 AM
Pauls Mowing Pauls Mowing is offline
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Join Date: Sep 2000
Location: Sioux Falls, SD
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We pay $300.00 per year for 500K. includes equipment, no employees, just me and my wife. $250.00 ded.

Brian C.-- who is your carrier? sounds like the best deal.

Paul
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  #18  
Old 10-08-2000, 01:19 PM
Samurai WeedWacker Samurai WeedWacker is offline
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Join Date: Jun 2000
Location: Laramie WY
Posts: 93
Zero. It's not required in this state for what I do. Been in business 18 years and never had a problem. It WOULD be required if I was working on sprinkler systems.
The contract I use for snow removal service states I am "not responsible for ice or damages or injury due to ice or slippery conditions."
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A monk asked Tozan, "How can we escape the cold and heat?" Tozan replied, "Why not go where there is no cold and heat?" "Is there such a place?" the monk asked. Tozan commented, "When cold, be thoroughly cold; when hot, be hot through and through."

Or, as G. Gordon Liddy said, "the trick is to not mind it."
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  #19  
Old 10-08-2000, 01:34 PM
jaclawn jaclawn is offline
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Join Date: May 2000
Location: South West PA
Posts: 490
A lot will depend on your exposure and the dollar amount that you subcontract.

For example: Solo operator A cuts grass by himself 6 days per week, and does not do any subcontracting. His total sales are $40K per year.

Solo operator B cuts grass by himself 3 days per week, and subcontracts out all other grounds maintenance tasks; tree work, mulch, fert, landscape install... His gross sales from his mowing are $20K.

Who pays more in insurance?

B. Because his exposure is much greater because of all the subcontracting. He may do a total in excess on $100K for the year. That is what they base your premium on.

It can be very misleading for contractors to compare business insurance between themselves. Nearly all times, you are not compring apples to apples.
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  #20  
Old 10-08-2000, 05:57 PM
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Richard Martin Richard Martin is offline
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Join Date: Mar 2000
Location: Greenville, NC
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Samurai wrote:

{Zero. It's not required in this state for what I do. Been in business 18 years and never had a problem. }

And yet it only takes one incident to wipe out everything you own. Liability insurance is not required in Maryland either but I still have it.
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