Insurance Rates

Discussion in 'Starting a Lawn Care Business' started by garmel, Feb 18, 2009.

  1. garmel

    garmel LawnSite Member
    from NE Ohio
    Posts: 107

    I'm being quoted just over $800 per year for $1m in liability and $15k to cover equipment not including the truck. Does this seem high?
     
  2. bjlawnman

    bjlawnman LawnSite Member
    Posts: 135

    $800.00 per year seems high to me. I get 2 mil. of coverage per year for less than half your price.
     
  3. garmel

    garmel LawnSite Member
    from NE Ohio
    Posts: 107

    Is that just general liability or does it cover your equipment too?
     
  4. CLARK LAWN

    CLARK LAWN LawnSite Silver Member
    Posts: 2,526

  5. Sweet Tater

    Sweet Tater LawnSite Silver Member
    Posts: 2,123

    does your guy just do Ohio or can he do other states also?
    I am paying 700 a year just for 500000 liability, I know thats high
     
  6. CLARK LAWN

    CLARK LAWN LawnSite Silver Member
    Posts: 2,526

    i dont know ill ask him tomarrow
     
  7. blake101

    blake101 LawnSite Senior Member
    Posts: 461

    Just recieved a quote today. 160.00 for 1 Million liability. Per year.

    And 100.00 for coverage on a 9000.00 mower and a 800.00 trailer, full coverage.

    Both quotes from Farm Bureau, although I think they are getting it from someone else.
     
  8. mowranger

    mowranger LawnSite Member
    from ms
    Posts: 80

    Thats wild, gen liability is quoted by total payroll right?
     
  9. blake101

    blake101 LawnSite Senior Member
    Posts: 461

    Your guess is as good as mine. They never asked me any questions like that.
     
  10. LouisianaLawnboy

    LouisianaLawnboy LawnSite Silver Member
    Posts: 2,199

    Insurance prices vary state by state.

    Louisiana has some of the worst, because the hurricanes drive away the insurance companies.
     

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