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Liability Insurance

Discussion in 'Business Operations' started by MacKenzie, Jan 18, 2003.

  1. MacKenzie

    MacKenzie LawnSite Member
    Posts: 32

    Hi Everyone,

    Does anyone have any recommendations for Insurance providers in the MA area? Write now I am just looking at Liability Insurance.

  2. Mykster

    Mykster LawnSite Senior Member
    Posts: 668

    Ask your agent from your auto coverage. If he doesn't offer Lia. for business, I'm sure he could help you out.
  3. lamarbur

    lamarbur LawnSite Member
    Posts: 118

    As a past town selectman, toen of Holland, many years ago, the small business association in conjunction with the commonwealth of Mass tried a program to help new/small business' start out. Workmans comp, liability and other coverages was the specific aim of this project. I would approach your selectmen's board or their executive secretary and ask if any state programs are still available. You may have to ask the econimic developement board, if Carver has one. Don't be afrais of all state programs. One's like these usually were of great help to people starting out.
  4. grassdaddy

    grassdaddy LawnSite Senior Member
    Posts: 565

    down here mine cost 350.00per yr. for 100,000worth.about 500.00per yr. will get you 1,000,000worth lia.I had to shop around,my good neighbor,state farm,doesn't carry it.I'd try the yellow pages.:)
  5. 65hoss

    65hoss LawnSite Fanatic
    Posts: 6,360

    Call your bank also. They may offer insurance packages. Mine does, although I didn't go with them, I did get a quote. I found my G/L insurance thru my finance/life insurance guy. I asked him who he recommended. I've never had a problem with the company. I've told several people in my area about them. Just some ideas.
  6. Mykster

    Mykster LawnSite Senior Member
    Posts: 668

    D*MN!!!!!!! I'm at 1250/yr for 1mil. Guess it might be time to do some lookin' around.
  7. MacLawnCo

    MacLawnCo LawnSite Bronze Member
    Posts: 1,847

    You are getting raped. I get 2 mil for $250 per yr. I opted to get 6K of theft for only an aditional $100. I go though American Family FYI.
  8. Mykster

    Mykster LawnSite Senior Member
    Posts: 668

    Yup.....one of the many benefits living in the WA. State. You pay more for everything than the rest of the country.
  9. Mykster

    Mykster LawnSite Senior Member
    Posts: 668

    MacLawn, I sent you a PM.
  10. dougaustreim

    dougaustreim LawnSite Senior Member
    Posts: 488

    Don't get excited about the insurance rates being quoted here. There are two factors involved in the liability rate. The first is of course the dollars of liability. The other factor is wages paid. These rates also change by various categories of work. Arborist work is of course much higher than secretarial. That is why it is so important to classify all of your employees by the duties they actually perform. Mowing etc is much lower than even general landscaping, irrigation higher yet etc. Of course there are also minimum premiums etc. Get quotes from several companies for your business and compare those. Comparing with another company would bu useless unless you had identical wages etc.

    If it is a sole proprietor with no employees, they usually have a set rate that they use.

    Austreim Landscaping

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