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Discussion in 'Business Operations' started by SchultzLawnCare, Jan 22, 2008.
how much are you guys paying for insurance?
$804 for 500,000 liability that includes residential/light comm. snow plowing
along with $10,000 equipment coverage which will cover basically my mower, blower, and bagger.
Insurance cost will very area to area.
$895 gives me $1,000,000 Liability and $19,500 in equipment (Hustler 60", 36" Wright stander, 2000 watt generator and $5000 in handhelds/misc.) No employees so no workmans comp.
about $12,000.00 per year.
1 Mill gen liability = $685 per year
Workmans comp = $1,580 per year (changes every year depending on earnings)
Commercial truck coverage on 4 trucks = more than both the above
Just switched today and now i have 500000 plus 12500 equipment 467.00 per year.200.00 deductable
I assume none of you have spraying of fert and weed on your liability. My insurance jumped from 580.00 to 1700.00 when I added spraying to my liability.
$440 a year with 2mil gen liability, 16,000 in equipment coverage, covers herbicide and pesticide up to 1mil.
truck is $760 a year, full coverage plus $2000 coverage for the plow, and that covers plowing.
Both are with erie insurance, I don't know how they do it with the gen liability, I was getting prices of 900-1700 then they came up with 440, i jumped on it. I went with an insurance broker, she always shops for the best price, almost went with progressive on the truck but erie came in cheaper, I think because i already had the business with them.
I'm in IA so hopefully this will be close to what you get:
$300/yr for $2mil. liability (no coverage for equipment loss)
$500/yr for the truck in the sig, no driver except me.
$50 for the trailer in the sig.
$500 deductible I believe.
Are you east coast guys killing a bunch of kids? Your rates are so high
do you have to pay for an insurance broker to shop around for you or they just make there money through commision?