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Liability Insurance?

Discussion in 'Business Operations' started by rmiller_5589, May 15, 2009.

  1. rmiller_5589

    rmiller_5589 LawnSite Member
    Posts: 1

    What companies sell Liability insurance and what are you paying for the coverage?

  2. Fvstringpicker

    Fvstringpicker LawnSite Fanatic
    Posts: 7,603

    I use Nova Insurance and pay about $600 a year for 500K coverage (includes herbicide application) I've never had a claim so I can't comment on service--except they do process my premium check really fast and efficient.:)
  3. dtelawn

    dtelawn LawnSite Member
    from Alabama
    Posts: 113

    I actually use Alafa. They insure my home, autos, and everything else. Only had one claim and my agent handled it. I made one call, gave him the customers phone # and never had to deal with it again. Oh yeah, $510 a year for $500,000 coverage.
  4. whoopassonthebluegrass

    whoopassonthebluegrass LawnSite Platinum Member
    Posts: 4,214

    Farm Bureau: $300/year. ($1 mil.)
  5. AI Inc

    AI Inc LawnSite Fanatic
    Posts: 25,390

    MSA , and they pork me to the tune of about 2 k.

    FIRESCOOBY LawnSite Senior Member
    Posts: 981

    Columbia: $456/ year for $1 million
  7. PLS-Tx

    PLS-Tx LawnSite Silver Member
    from Texas
    Posts: 2,385

    Wow, that's a good deal.
  8. whoopassonthebluegrass

    whoopassonthebluegrass LawnSite Platinum Member
    Posts: 4,214

    I think it's in part b/c I'm a solo operator. I seem to recall my agent telling me that having employees would jack it up.
  9. DaughtryLC

    DaughtryLC LawnSite Senior Member
    Posts: 739

    SF $428, 1mil
  10. VBsnow

    VBsnow LawnSite Member
    Posts: 241

    I have posted this over the years but I will do so again:


    I understand many people do not want to ask the agents because they think it will affect our ability to negotiate, but that is silly. If your asking these basic questions there is no money to be made on your policy. Liability starts at about 320 and up. Most small LCO's pay between the low 300's to high 800's. Add employee payroll and you pay more.

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