landscape maintance insurance.

Discussion in 'Starting a Lawn Care Business' started by Ben's Landscape, Jan 2, 2010.

  1. Ben's Landscape

    Ben's Landscape LawnSite Bronze Member
    Posts: 1,438

    I am looking around at insurance for this year. I went online and had a hard time finding a company that covers landscaping. I have heard about Contractors insurance that covers everything liability for plowing etc?? What companies do you use. What is a ball park figure??

    Thanks I was getting all confused with LLC, Insurance etc.?? Maybe you can put this in simplier terms. Thanks a lot.
     
  2. zturncutter

    zturncutter LawnSite Bronze Member
    Posts: 1,308

    Bearwise landscapers insurance. We currently use Nationwide, but I think this company could better explain the insurance coverage.
     
  3. Ben's Landscape

    Ben's Landscape LawnSite Bronze Member
    Posts: 1,438

    Thanks I will check them out.
     
  4. santafe

    santafe LawnSite Member
    Posts: 191

    I have a $1,000,000/$2,000,000 policy from american family for less than $400/yr.
     
  5. Ben's Landscape

    Ben's Landscape LawnSite Bronze Member
    Posts: 1,438

    Thanks Santafe!! Is that like the going price??
     
  6. santafe

    santafe LawnSite Member
    Posts: 191

    thats just what i am paying. there are others on here that could tell you if that is normal or not. just small potatoes here.
     
  7. BCofDayton

    BCofDayton LawnSite Member
    Posts: 21

    American Family here as well
     
  8. Afabiano

    Afabiano LawnSite Member
    Posts: 4

    We use grange mutual through an agent. They insure us for lawn care and snow plowing liability and also includes commercial auto insurance. 3-4K a year.
     
  9. SangerLawn

    SangerLawn LawnSite Senior Member
    from indiana
    Posts: 736

    we use state farm for all of our insurance except workman’s comp. we use a company called star for workmans comp…don’t know anything about them but state farm hooked us up with them. been with star insurance for workmans comp for 3 years and havnt had any problems out of them yet

    1 million is the normal and most commercial properties are ok with that amount. Depending on what commercial properties you bid on you may need 2 million. That is what we have.

    Contractor insurance is what you are going to need but it does not cover snow plowing. You will need to change you vehicle insurance to…I think its called utility insurance but not positive? Ask who ever you have auto insurance threw right now and they will tell you. Don’t know why contractor insurance doesn’t cover snow plowing but state farm told me that part relies on auto insurance.
     
  10. buffalonick

    buffalonick LawnSite Member
    Posts: 213

    Do all of these prices that are posted for liability include auto insurance of is that extra? And can you keep your same auto insurance?
     

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