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Discussion in 'Starting a Lawn Care Business' started by coolbrze, Jun 3, 2008.
What insurance companies are you all using and what are you paying? Also, what's your coverage?
I pay $250 a year for $600,000 liability for the year. Just lawncare, no plowing. I have mine through Erie Insurance. It is a must.
I pay $427 a year for 1 mil. but I am a single operator.
$135 annual thru Grinnell Mutual. Solo op no employees. GL only, no equipment coverage.
I'm thinking about getting into lawn care. Just cut, blow, trim... basic stuff part-time right now. I'm a police officer and just looking for extra income (but will not be a lowballer). What kind of insurnace coverage is needed for lawn care. Is it just a basic general liability or is there specific coverages needed?
general liability, i have a million dollar limit. a million is the lowest for commercial around here. you need to check your local laws and regulations though.
geez it must be nice for you guys who live outside of NJ... insurance here for 1mil g/l through a few people is in the 1500 range per year
I work for a fairly big fert. co. in Ocean County and I'm starting a very small solo co. doing weed control . Am I doomed to this $ 1500.00 dollar sentence ? Let me know if you hear of anyone /anyplace who can lower that premium ... Mike / Rivercrest
i use farmers ins. i pay 165.00 per month . 2 mil. coverage for house ,one work truck, one jeep ,one trailer , and all my stuff plus covers me when i'm on anybodies property.also covers my worker
1460 dollars a year broken in to 3 payments thats the business package I have through hortica 2 million liability lots of extras like all the stuff in my office and about 100k worth in the shop. Then we pay 4230 dollars in auto broken into 3 payments as well thats 500k in coverage for 4 drivers full coverage including glass. On 4 trucks 98 and 99 ram 1500 pick up 99 ram 3500 dump 89 gmc 3500 dump wish it was cheaper but thats the price and that took 3 years of shopping to get it that low use to be double that. Then we get to pay 6% of my employee pay roll in workmans comp.