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Need Help With Insurance

Discussion in 'Business Operations' started by PalmettoLawn, Aug 24, 2005.

  1. PalmettoLawn

    PalmettoLawn LawnSite Member
    Posts: 4

    Need to find a cheap place to get liability insurance. I need a million dollar coverage. Cheapest I have found is $901.00 a year.
     
  2. farmerphilco

    farmerphilco LawnSite Member
    Posts: 56


    There are so many variables that need to be known before you can really know what is the best premium for your company. That premium could be very low or it could be very high.

    What are you doing?
    What is your annual payroll & receipts?
    # of employees?
    type of work performed?
    %'s of each type?
    so on and so on.
     
  3. Guthrie&Co

    Guthrie&Co LawnSite Senior Member
    from nc
    Posts: 784

    i am looking at a new policy 1 mill/ including coverage on my equipment for 400 year. one employee( me) and a 250 deductable
     
  4. farmerphilco

    farmerphilco LawnSite Member
    Posts: 56


    What company is that quote through?
    That cannot include work comp.
     
  5. Guthrie&Co

    Guthrie&Co LawnSite Senior Member
    from nc
    Posts: 784

    malcom warren independent comapny. no workers comp. dont have any employees but myself and i carry my own health ins
     
  6. farmerphilco

    farmerphilco LawnSite Member
    Posts: 56


    Which company, not the agency. If you actually have correct coverage for less than what 99% of all companies charge (most have a minimum premium of around $500) then I would like to have them as long as they are rated "A" or better.
     
  7. PalmettoLawn

    PalmettoLawn LawnSite Member
    Posts: 4

    Thanks for the info. I need same thing that you have. Only me and my equipment. Does that company have a website?
     
  8. farmerphilco

    farmerphilco LawnSite Member
    Posts: 56


    is there a way that you could email or fax me a copy of your policy? It almost sounds too good to be true but that is a great company if it is all correctly written
     

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