Insurance quote

Discussion in 'Starting a Lawn Care Business' started by Lawnut101, Aug 10, 2007.

  1. Lawnut101

    Lawnut101 LawnSite Silver Member
    Posts: 2,254

    Hey guys, I got some quotes from my parents insurance company. Here they are.

    General liability: $350 a year for a maximum of 2 million coverage (1 million per man). No chemicals are covered. Not even roundup or anything. How's this all sound to you guys? I thought it was fairly cheap. I just wonder if it will be a hassle if I get licensed to do chemicals switching companies. Another one may be a ton more.

    Workmens comp: $700 a year. (not sure about the coverage, how much per employee.)

    Thanks for your help,
    Brant
     
  2. Lawnut101

    Lawnut101 LawnSite Silver Member
    Posts: 2,254

    Nobody wants to help out? Any advice is apperciated.
     
  3. echeandia

    echeandia LawnSite Bronze Member
    Posts: 1,131

    The liability sounds very reasonable. Make sure you get coverage for your equipment also.
     
  4. Lawnut101

    Lawnut101 LawnSite Silver Member
    Posts: 2,254

    They said that the plan would cover my equipment. Thanks for the reply echeandia. I just wanted someone elses advice.
     
  5. prizeprop

    prizeprop LawnSite Senior Member
    Posts: 820

    Check with another carrier.Your minimum should be 4 catagories.Mines set up:1. Commercial general liability, 2. commercial umbrella 3. commercial auto, 4.workmans comp, 5. inland marine. Thats the way my last two ins co did it.
     
  6. Lawnut101

    Lawnut101 LawnSite Silver Member
    Posts: 2,254

    Hmm... I really don't know what some of those mean. My dad will though. Thanks for your help. I'm definitely gonna get some more quotes.
     

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