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Maryland solo - insurance quotes (Erie & Harford)- seems high to me..

Discussion in 'Lawn Mowing' started by Lawn-Scapes, Jul 9, 2001.

  1. Lawn-Scapes

    Lawn-Scapes LawnSite Silver Member
    Posts: 2,810

    I got 2 quotes today trying to find something cheap after searching through and reading some of the posts here at lawnsite. A saw a lot of you getting good rates ($300-$400) for a $1 million gen. liability policy.

    I went to a local insurance agent that was on the Erie website. Told him I was a solo lawn care operator. He asked if I did snow or spray applications. Told him no. He gave me a quote of $518. I know this is not high compared to what I read some of you are paying, but it's not close to the $350 most others using Erie... He siad he'd work up a quote for commercial truck & trailer insurance and get back to me. I don't know why he couldn't work it up then and there?

    Second quote was through my Geico insurance company. They don't personally do commercial or general liability but got me a quote through Harford. $897 for GL and $1293 for commercial. $897 makes the $518 quote look fantastic... $1293 is rediculous! Is this because I went though Geico?

    I was all excited to go price shopping after I read all the posts but it wore off quickly...

    Tomorrow I'm going to try another agent for Farm Family insurance... See what happens...
  2. syzer

    syzer LawnSite Bronze Member
    Posts: 1,266

    Thats probably about right we kick out about 1300 a year for insurance.
  3. Richard Martin

    Richard Martin LawnSite Fanatic
    Posts: 14,700

    Your Harford price is because you went through the Geico agent. I have my liability and equiptment ins. through Harford and it's $642.00 a year.
  4. kturner

    kturner LawnSite Member
    Posts: 53

    Yeah, ours is 1200 a year and I couldn't find better. I knew it should have been less. I'll have to see if Hartford is in the area.
  5. Island Lawn

    Island Lawn LawnSite Senior Member
    Posts: 632

    1 mil gen liability and "contractor stretch" to cover equipment.
  6. dhicks

    dhicks Member
    Posts: 771

    I have Erie insurance and I have a one/two million coverage for liability. All tools, mowers, and trailer are also covered against theft or loss and fire or destruction. I even have a snow plow coverage as a rider to the policy. My rate hovers around $500 mark per year. Gieco's affiliate wanted about $900.00 per year for less coverage. What a rip off.
  7. Richard Martin

    Richard Martin LawnSite Fanatic
    Posts: 14,700

    Just so you guys know, there is a difference between Hartford and Harford. My spelling was correct and not a typo. Harford is a Maryland based ins co.
  8. Vandora Lawn & Landscape

    Vandora Lawn & Landscape LawnSite Senior Member
    Posts: 386

    Good ole' HARFORD County
  9. Lawn-Scapes

    Lawn-Scapes LawnSite Silver Member
    Posts: 2,810

    Thanks for the feedback guys...

    I wish you guys were a little more specific... Is it $1200 - $1300 total (truck and GL)?

    Richard do you have a direct contact for Harford?

    I got a quote from Nationwide:

    GL - $1,000,000/2,000,000 - $529

    IM - $12,000 equip coverage - $268

    Comm/truck ('95 Dodge 1500) - $250,000 - $1268

    I still can't get over the price for the comm. truck insurance. It's double the price of regular auto... :(

    Waiting to hear back from another agent on Farm Family...
  10. Richard Martin

    Richard Martin LawnSite Fanatic
    Posts: 14,700

    TSG wrote:
    Richard do you have a direct contact for Harford?

    Harford is available through Independent Insurance Agents. Phone 1-410-838-4000

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