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how much is insurance

Discussion in 'Starting a Lawn Care Business' started by puregreen345, Jan 17, 2006.

  1. puregreen345

    puregreen345 LawnSite Member
    Posts: 22

    how much does basic insurance usually run?
  2. rfed32

    rfed32 LawnSite Senior Member
    from Hatboro
    Posts: 680

    just got contractors insurance...1000 bucks for the year...1mil liability and that covers one truck and my equpt. this is good for plowing residental and being a sub for commercial
  3. Grn Mtn

    Grn Mtn LawnSite Senior Member
    Posts: 863

    For what? There is nothing simple about commercial insurance. My insurance coverage paperwork is in a 1" freaking 3-ring binder:dizzy:

    Mine covers my equipment, stuff that I rent, and the big one--commercial plowing. 3k for the year. Don't commercial plow and it would be in half.

    FYI, depending on what you have written up it can take a while. Mine took about 2 months.
  4. MMLawn

    MMLawn LawnSite Gold Member
    Posts: 3,569

    At 17 it'll cost you nothing because no one can insure a 17 year old because you can't sign a legally binding contract prior to 18. So, you'd have to get your parents to get it in their name. The cost will depend on a vast number of things and could run as little as $300-$400 or as much as $2000.
  5. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Posts: 8,745

    I agree with Mike, I think that the lowest I ever paid was around $585, and it can run up into the thousands depends on what you are doing, what is covered, you annual sales, etc.
  6. GrasshopperLC

    GrasshopperLC LawnSite Member
    Posts: 30

    I pay $550.00 per year for $1 mil coverage
  7. justinslawncare

    justinslawncare LawnSite Member
    Posts: 26

    $2000 and that covers truck all equipment liability and workers comp up to $5000 for one employee

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