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Insurance

Discussion in 'Starting a Lawn Care Business' started by magicmike, Feb 9, 2013.

  1. magicmike

    magicmike LawnSite Senior Member
    Posts: 266

    Is a 300,000 liability insurance good to start out with? I wont be doing any major services like decking, patios or anything like that, just regular maintenance, aeration, stuff like that.
     
  2. joshua

    joshua LawnSite Bronze Member
    Posts: 1,226

    You need more. Not sure on insurance prices in new york but in ohio a couple million is less than $500. Shop around.
     
  3. crichardson

    crichardson LawnSite Member
    Posts: 96

    i pay around 1200 for 1mil coverage, 5000 on equipment, and my truck insurance which is work and personal.
     
  4. J & D Greens

    J & D Greens LawnSite Senior Member
    Posts: 763

    When you are running even just a maintenance Biz. A million dollar policy is the min. you can get by with. I say that because no Biz will hire you if you have less. Mine cost me $600.00 for 2 mil and $5,000.00 tools through American Family. And my truck commercial insurance runs $800.00 a year through Allstate. (Truck is older).
    Mine is based a lot on the smaller size of my Biz. No employees but me.
     
  5. esmit108

    esmit108 LawnSite Member
    Posts: 28

    Joshua what company did you get it through? Thanks
     
  6. HDLLandscaping

    HDLLandscaping LawnSite Member
    Posts: 138

    I am BRAND new and would be paying $750 a year for 1mil of Liability (covering a bunch of stuff)
     
  7. recycledsole

    recycledsole LawnSite Gold Member
    from MD
    Posts: 3,231

    who do you all get your insurance through?
     
  8. magicmike

    magicmike LawnSite Senior Member
    Posts: 266

    i got just got insurance for 1million/2 million and 10,000 equipment for 610. Great price I think, another company wanted to charge me 1100 for half the coverage.
     
  9. New2TheGreenIndustry

    New2TheGreenIndustry LawnSite Senior Member
    from GA
    Posts: 843

    I see some guys talk about equipment insurance wrapped up in the GL policy. Am I reading that correctly? Is that possible?
     
  10. spitfire3416

    spitfire3416 LawnSite Senior Member
    Posts: 518

    who did you go through?
     

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