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  #11  
Old 12-23-2003, 05:42 PM
BravesFan BravesFan is offline
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Join Date: Nov 2003
Location: Virginia
Posts: 233
It all depends on what services you're providing, employees, if you sub out work, how long in biz, How much biz you're doing, how much business property you need insured, etc.

If you breathe the words "tree work" in your description of services, you'll pay more for liability ins....many times LOTS more.

If you're a small solo operator only doing lawn maintenance, I've seen plenty of posters saying they pay under $500 a year for 1 mil. of liability insurance.

Find an independant dealer offering insurance through Erie(or another good carrier). I think people are doing themselves a huge disservice if they aren't shopping for better insurance rates on a periodic basis...esp. considering the huge costs. Everytime I make an insurance payment, I feel like I'm getting cheated.

Dennis
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  #12  
Old 12-23-2003, 09:02 PM
BOTURF BOTURF is offline
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Join Date: Oct 2001
Location: EAST CENTRAL INDIANA
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Solo operator here and mine went up 28 % for next year and have never filed a claim . My uncle is my insurance agent ( state farm ) and he told me that company punches in your zip code and thats how they come up with premiums and increases so i guess if everyone but you had a claim in your neck of the woods you would have to pay thru the nose also
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  #13  
Old 12-23-2003, 09:18 PM
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65hoss 65hoss is offline
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Join Date: Sep 2000
Location: Memphis, TN
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I have Zurich also. I priced many different ones back in March and Zurich came out very good. I have a $2 mil policy that cost $1300 and includes the inland marine for the equipment.
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  #14  
Old 12-23-2003, 09:54 PM
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Blades of Steel Blades of Steel is offline
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Join Date: Aug 2003
Location: Southaven, MS
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hoss,

What is the inland marine coverage?

Tim
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  #15  
Old 12-24-2003, 12:44 AM
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65hoss 65hoss is offline
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Inland Marine is the name of the attachment for equipment coverage.
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  #16  
Old 12-24-2003, 08:58 AM
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rodfather rodfather is offline
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Join Date: Aug 2001
Location: Clinton, NJ
Posts: 9,632
Quote:
Originally posted by Blades of Steel
Does your premium have workmans comp on it

Nope, thats extra. But at least that is low (like 3.39 per 100). I'm classified under lawn maintenance (not landscaping) which is more like 10 or 12 per 100.

BTW, my 3K insurance premium (including my inland marine coverage) is for the business only. My trucks and trailers are another item...ouch
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  #17  
Old 12-27-2003, 06:11 PM
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Kelly's Landscaping Kelly's Landscaping is online now
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Join Date: Dec 2003
Location: Milford CT
Posts: 3,693
Nope, thats extra. But at least that is low (like 3.39 per 100). I'm classified under lawn maintenance (not landscaping) which is more like 10 or 12 per 100.


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Thank you so much for that tip rodfather the comp was way more then I could stomach last year I had much higher quotes then 10-12 per 100 too one guy had the balls to ask for 25% ie 25 of 100 as result I cut my labor to next to nothing and learned to work 80 hour weeks with 14 hour cutting days hhehehehe with my partner
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  #18  
Old 12-28-2003, 01:10 PM
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work_it work_it is offline
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Join Date: Jul 2003
Location: Louisville, Kentucky
Posts: 1,245
Quote:
Originally posted by SodKing
WOW.. I'll pay between 18,000 and $26,000 next year. But hey its down from $36,000 a few years ago. It pays to shop around and make sure you are dealing with a company that knows YOUR business.

Try Hortica insurnance, they saved me a bundle of money (which is now in my pocket).

http://www.hortica-insurance.com/
I checked into hortica last year and ran into a problem. They won't even concider you unless you can show a gross revenue of $250,000/yr. I don't think he's going to be able to use them for a year or two.
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  #19  
Old 12-30-2003, 05:05 PM
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brentsawyer brentsawyer is offline
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Join Date: Nov 2001
Location: Lexington, KY 6
Posts: 663
Check out Accuity
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  #20  
Old 12-30-2003, 10:16 PM
hoyboy hoyboy is offline
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Join Date: Sep 2002
Location: Chicago
Posts: 346
I'm paying Hortica over $60,000 yr. between liability and w/comp.
It's a good company though...
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