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Insurance

Discussion in 'Pesticide & Herbicide Application' started by Alf1096, Oct 2, 2012.

  1. Alf1096

    Alf1096 LawnSite Member
    from TX
    Posts: 34

    I have one insurance company quoting me for insurance she estimated to 1M approx 4000 a year. This seems really high to me. Who do you use and what is your premium. I will only be doing fert and weed control.
     
  2. cgaengineer

    cgaengineer LawnSite Fanatic
    Posts: 15,782

    Just liability? If so that is extremely high.
     
  3. Grassworks Inc.

    Grassworks Inc. LawnSite Member
    Posts: 95

    Pesticide coverage. Pollution liabilty. That's over and above basic business liability.
     
  4. cgaengineer

    cgaengineer LawnSite Fanatic
    Posts: 15,782

    Not for me it's not...
    Posted via Mobile Device
     
  5. Alf1096

    Alf1096 LawnSite Member
    from TX
    Posts: 34

    The one for 4k mentioned the polution liability and stuff. Just got a quote from another company for 700 for 300k liability and 10k in equipment.
     
  6. cgaengineer

    cgaengineer LawnSite Fanatic
    Posts: 15,782

    That sounds about right...ours is about that but covers pesticides.
    Posted via Mobile Device
     
  7. Grassworks Inc.

    Grassworks Inc. LawnSite Member
    Posts: 95

    make sure the policy states "pesticide coverage". You may not be able to get a state pesticide business license otherwise.
     
  8. Alf1096

    Alf1096 LawnSite Member
    from TX
    Posts: 34

    Which one is about right the 700 or 4000
     
  9. cgaengineer

    cgaengineer LawnSite Fanatic
    Posts: 15,782

    $700
    Posted via Mobile Device
     
  10. humble1

    humble1 LawnSite Silver Member
    from MA
    Posts: 2,495

    We pay more than that, we use Philadelphia insurance they write for a lot of pco's . What we ran into is companies don't want to insure 100 percent chemical operators, if you do lawn mowing and feet then there is limited exposure on their end. Once u r 100 per fert and squirt 100 percent exposure for chem spill etc. just like lawn care or buying a car you get what u pay for. personally take a hard look at what your getting
    Posted via Mobile Device
     

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