Insurance

Discussion in 'Business Operations' started by ScaggyGrass, Apr 12, 2012.

  1. ScaggyGrass

    ScaggyGrass LawnSite Member
    Posts: 54

    Who do you have for insurance.. About how much do you pay.
     
  2. willshome

    willshome LawnSite Member
    Posts: 19

    Commerce $900 a year lawn care/handyman
     
    Last edited: Apr 12, 2012
  3. grandview (2006)

    grandview (2006) LawnSite Gold Member
    Posts: 3,466

    To many variables to it. Depends on what type you need,are you landscape only do you provide snow plowing.How much coverage do you want,what type of deducible do you want. Employees ,solo,revenue of the company credit reports on you and the company.
     
  4. ptjackson

    ptjackson LawnSite Member
    Posts: 211

    Agree with @grandview Workers comp? Liability? Limits, additional insuraned? Insurance is a complex product. For almost every commercial job you'll need to submit proof of insurance with the property owner as additional insured with sometimes as much as 1-2 million dollars of liability.
     
  5. DA Quality Lawn & YS

    DA Quality Lawn & YS LawnSite Fanatic
    Posts: 8,869

    I am solo mowing, apps, landscaping, shrub trimming, etc. So, no payroll. My GL will be running me $175/year thru Farm Bureau. $1mil limit.
    $15K in equipment covered for about $220/yr.
     
  6. ScaggyGrass

    ScaggyGrass LawnSite Member
    Posts: 54

    Whats the web site addr.. for the Farm Bureau
     
  7. TriCountyLawn

    TriCountyLawn LawnSite Bronze Member
    Posts: 1,517

    Really ?



    :hammerhead:
     
  8. GreenI.A.

    GreenI.A. LawnSite Silver Member
    Posts: 2,132

    One thing I always advise guys is to get multiple quotes from multiple agents. When I was looking for insurance two different agents quoted me the exact same coverage from the same insurance carrier, but there was a 10% difference between the two different agents.
     
  9. grandview (2006)

    grandview (2006) LawnSite Gold Member
    Posts: 3,466

    Help the guy out.

    http://www.fb.org/
     
  10. ETM

    ETM LawnSite Senior Member
    from Georgia
    Posts: 529

    FB said they wouldn't even quote us unless we had our trucks with them. Kinda sucks. The lowest I got was $800 per yr with 1mil
     

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