Insurance

Discussion in 'Business Operations' started by kandalawncaremgr, Jan 5, 2013.

  1. kandalawncaremgr

    kandalawncaremgr LawnSite Member
    Posts: 223

    Is there a nationwide company that a lot of lawn care companies or landscape companies use? All the insurance agencies here in the Chicago area want a killing for liability insurance. I'm a sole proprietor with lil equipment and no huge shop. There quoting between 2100 and 3600. I tried 5 to 6 companies with the same response. I see others on there forums that are only paying 600 to 1000 a year. Any help would be great. Thanks Kevin
     
  2. NIXRAY

    NIXRAY LawnSite Senior Member
    Posts: 511

    I believe progressive and gieco offer commercial
    Posted via Mobile Device
     
  3. chris7826

    chris7826 LawnSite Member
    Posts: 28

    We use Erie Insurance. Policies have great coverage and prices are very reasonable, at least they are for us.
     
  4. EagleLandscape

    EagleLandscape LawnSite Platinum Member
    Male, from Garland, Texas
    Posts: 4,347

    Hotchkiss insurance in the carrollton / dallas, tx area. Ask for michelle frank

    Your premium prices are all going to depend on what your loss history has been, and what scope of work you perform. Ie: tree trimming has a 10x greater insurance premium on average than lawn mowing. This is the sole reason we don't perform large scale tree pruning.
     
  5. kandalawncaremgr

    kandalawncaremgr LawnSite Member
    Posts: 223

    Yea,
    I just do the basics. Lawn care and trimming small to medium bushes. Nothing crazy. This is my 2nd year with no loss or claims. Don't do any fertilizer or spray sealcoating. Not sure why its so much unless its cause of my company being new
     
  6. kandalawncaremgr

    kandalawncaremgr LawnSite Member
    Posts: 223

    Chris

    Thanks for recommending erie insurance. Went and signed a year policy today.

    Thanks everyone for your input.
     
  7. agent walker

    agent walker LawnSite Senior Member
    Posts: 464

    i went through pekin insurance. they check around and find the best provider for coverage you need
     
  8. CLS_Birmingham

    CLS_Birmingham LawnSite Member
    Posts: 128

    You can always cut down on your premiums by taking on a higher deductible
     

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