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Old 05-05-2004, 08:57 PM
brucec32's Avatar
brucec32 brucec32 is offline
LawnSite Platinum Member
Join Date: Jul 2001
Location: Atlanta, GA
Posts: 4,404
I've just about had it with insurance companies

I wasted a lot of time today trying to set up simple commercial liablity insurance for my new operation here in Florida. After 12 years with Nationwide in Atlanta they claimed I couldn't use the same agent here or get insurance through them. The agent I used for personal auto was terrible and mumbled something about them not issuing that coverage here. Which I knew wasn't true, but I can't MAKE them do it, can I? ( I can and will find another home and auto agent, though). Then I called another one agency at Nationwide and he acted like he was doing me a favor, wouldn't send me an application, wanted me to come in and fill one out (only a 30 minute drive from here) quoted "around $450" but wouldn't be more specific, kept claiming he THOUGHT he needed a Federal taxpayer ID #, even though I'm a sole proprieter and had insurance with them for a decade w/o one, etc, etc. So I told him I'd find it elsewhere, since he wanted me to send a check w/o even being able to answer any basic questions, such as oh....WHAT IS COVERED!

Then a company I found here on lawnsite that specializes in insuring green industry folks called me back. The lady was nice, but said I didn't have a 3 year track record they require to insure people, nor sufficient gross revenues. Huh? So just charge me what you charge a guy for the minimum revenue, fools! And since when is 12 years with insurance in the identical business not a track record?

A sole proprieter is a BETTER risk than someone with employees for obvious reasons, so why not insure us?

I then called allstate, who proudly proclaim on their advertising that they offer business insurance, only to hear "we don't offer that" on the phone. Thankfully she referred me to another company where I got a voicemail.

What is with these people? Does anybody actually want to make money selling insurance to us?
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Old 05-05-2004, 09:09 PM
KDJ KDJ is offline
LawnSite Senior Member
Join Date: Sep 2001
Location: Central Florida
Posts: 325
Try Hartford Good price-good service.
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Old 05-05-2004, 09:11 PM
bobbygedd bobbygedd is offline
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Join Date: Nov 2000
Location: NJ
Posts: 10,188
yes, they make so much money SCAMMING US, that we aint even worth talkin to. insure everything, try to put in a claim, you get the run around, they try like hell to back out of paying, if they do pay, they act like they r doing u a favor, or they drop you. insurence is nothing more than a scam and forced gambling
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Old 05-05-2004, 09:11 PM
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Coastal Lawn Coastal Lawn is offline
LawnSite Member
Join Date: Mar 2004
Location: Odessa, Florida
Posts: 16

I have Nationwide for my home and called my agent went down and in 30 min. had a $1,000,000 policy for $600 a year. Iam a sole proprietor and new to the business he was glad to get my business. I live in Odessa Fl. I also called several other companies and the price range from $450-700 a year. Went with Nationwide because of it being a reputable company.
Just keep trying Iam sure someone will want your business.
good luck
Coastal Lawn Care
Odessa, Fl
GMC Sierra E/C
Gravely 252Z
Gravely Pro G 32 WB
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Kawasaki KTR 27
Kawasaki HG 400
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Old 05-05-2004, 09:21 PM
DJL DJL is offline
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Join Date: Dec 2003
Location: Central New Jersey
Posts: 237
I believe you are dealing with non-reputable insurance agents. Idiots if you ask me. Any GOOD insurance agent will gladly sit down with you and go over the specifics (line by line if asked) of any insurance contract. If they don't, something is wrong. BYE-BYE No time to waste with them.

You need to speak with people in your area and go by word of mouth, not advertisements. People in this forum should be able to help you with that (I would hope.).
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Old 05-05-2004, 09:24 PM
specialtylc specialtylc is offline
LawnSite Bronze Member
Join Date: Jan 2004
Location: Washington state, eastsider
Posts: 1,656
I just changed Ins. co. this spring. A better policy and I saved $2400 a year. I hope you guys are aware that your vehicles are not covered by your personal policy for business.
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Old 05-05-2004, 09:43 PM
lawnman_scott lawnman_scott is offline
LawnSite Fanatic
Join Date: Jan 2001
Location: st pete, FL
Posts: 7,548
I just switched to state farm. Good luck getting something you will be happy with down here. I think the dumbest people become insurance agents, and not being able to read is required.
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Old 05-05-2004, 09:47 PM
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pjslawncare/landscap pjslawncare/landscap is offline
LawnSite Bronze Member
Join Date: Jan 2003
Location: Southern Indiana
Posts: 1,411
I got 1$M coverage from American Family & it runs $384 a year. Had two claims in 4 years & it never went up (Knock on wood).
Equipment Junkie
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Old 05-05-2004, 09:49 PM
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SodKing SodKing is offline
LawnSite Bronze Member
Join Date: Nov 2003
Location: New Hampshire
Posts: 1,662
I can't figure out who are the biggest liars, lawyers or insurance salesmen.
Jeg er kongen!
NHPC 302 MA 20686
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Old 05-05-2004, 09:51 PM
McNeal Lawn McNeal Lawn is offline
LawnSite Member
Join Date: Feb 2002
Location: virginia beach va
Posts: 61
Since insurance is the topic, I will ask this: I have a 1 Million liability and 300K vehicle coverage on my policy with Nationwide, and I am paying $2700 a year. Sole proprietor, equipment and trailor covered with policy. I noted a price of $600 a year in a post out of Florida, with a simliar coverage, my question is does location have anything to do with insurance costs, also is $2700 a year resonable for my coverage?
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