Discussion in 'Business Operations' started by SchultzLawnCare, Jan 22, 2008.

  1. SchultzLawnCare

    SchultzLawnCare LawnSite Senior Member
    Posts: 268

    how much are you guys paying for insurance?
  2. Elite LawnCare

    Elite LawnCare LawnSite Member
    Posts: 138

    $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.
  3. bblawncare

    bblawncare LawnSite Member
    Posts: 129

    $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.
  4. mattfromNY

    mattfromNY LawnSite Bronze Member
    Posts: 1,581

    about $12,000.00 per year.
  5. pjslawncare/landscap

    pjslawncare/landscap LawnSite Bronze Member
    Posts: 1,410

    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
  6. 1parttimer

    1parttimer LawnSite Member
    Posts: 20

    Just switched today and now i have 500000 plus 12500 equipment 467.00 per year.200.00 deductable
  7. grassyguy

    grassyguy LawnSite Member
    Posts: 82

    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.
  8. kc2006

    kc2006 LawnSite Silver Member
    Posts: 2,442

    $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.
  9. zz4guy

    zz4guy LawnSite Senior Member
    Posts: 901

    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:dizzy:
  10. Clear-Cut

    Clear-Cut LawnSite Senior Member
    Posts: 481

    do you have to pay for an insurance broker to shop around for you or they just make there money through commision?

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