Why has my insurance doubled in three years with absolutley no claims against my account. Does any one know a affordable insurance company for Lawn Care companies? I go through Farmers Insurance and pay over a thousand dollers a year for a $1,000,000 in coverage but this does not include my truck or trailer. And the only reason its not more is because my borthers work for me and are listed as partners. Hell I could almost buy a new weed-eater and blower every year for what I am paying in insurance.