Liability Insurance

Discussion in 'Business Operations' started by craigs lawncare, Aug 29, 2003.

  1. craigs lawncare

    craigs lawncare LawnSite Senior Member
    Posts: 310

    Hello :)

    About three months ago I changed my liability insurance that covers my lawn care business to the same company that my home is insured with.
    On Wednesday August 27th my insurance company sent me a letter stating that they were increasing my liability insurance $200+. When I called and asked them the reason why they suddenly increased my rates, they told me it was because lawn mowing is considered a high risk business. Before I cancel my insurance I want to know if you guys know of some fair insurance companies out there.
    Craig
     
  2. Team Gopher

    Team Gopher LawnSite Platinum Member
    from -
    Posts: 4,041

    Hi Craig,

    Here is a thread on this topic.
     
  3. rodfather

    rodfather LawnSite Fanatic
    Posts: 9,501

    "Fair" insurance companys? That's gotta be a new oxymoron like "postal worker", "military intelligence", or "government ethics"...LOL
     
  4. Doc Pete

    Doc Pete LawnSite Gold Member
    Posts: 3,469

    Mine didn't go up this year...... I'm in Jersey...........
     
  5. craigs lawncare

    craigs lawncare LawnSite Senior Member
    Posts: 310

    Switchless, Rodfather and Team Gopher, I have not had the best of luck with insurance companies lately, my rates over the course of the past year have been a lot like the price of gasoline. They just keep going up and up. :angry:
    Craig
     
  6. Doc Pete

    Doc Pete LawnSite Gold Member
    Posts: 3,469

    Well, I can see that. Those that wanted something for nothing, like government sponsored free programs (a la Hillary Clinton), suing each other at the drop of a hat, and other things that take away responsibility for one’s actions, are findings they are paying in the long run. Sadly, it’s catching up to us faster than we thought.

    I was in a parking lot, backing up and saw another car backing out too, I stopped, they didn’t and hit the side of my truck. The insurance company said I was 50% at fault “Just because I was there”. Until things like that stop, rates will keep increasing…….
     
  7. craigs lawncare

    craigs lawncare LawnSite Senior Member
    Posts: 310

    Switchless, I hear you and agree with you all the way on this one 100%.
    Especially, about the lack of people taking responsibility for their own actions!
    Although, if somehow insurance fraud could be curtailed and the frivolous lawsuits brought down to a minimum, do you think the insurance companies would dream of lowering their rates? :rolleyes: I don't think so. What it does is give these crooks an excuse to jack up your premiums.

    Craig:)
     
  8. Doc Pete

    Doc Pete LawnSite Gold Member
    Posts: 3,469

    Yeah Craig,
    It really ticked me off the my agent told me, "sorry, if you had a police report we might look at the accident differently". Gees, in other words, they are saying I'm lying. Didn't like that at all. Worse, the guy that hit me was over 80 years old:mad:
     
  9. lawnman_scott

    lawnman_scott LawnSite Fanatic
    Posts: 7,547

    Old Dominion,, National Grange Ins Co. I think they are in Delaware
     
  10. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Posts: 8,745

    my liability didn't go up this year, but my workers comp went up $150.
     

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