Searching for insurance

Discussion in 'Pesticide & Herbicide Application' started by TURF BUDDY, Dec 17, 2004.

  1. TURF BUDDY

    TURF BUDDY LawnSite Member
    Posts: 20

    Anyone know of a good place to get insurance (reasonable) to cover lawn applications and pest control service. If so what is the cost and coverage thanks
     
  2. James Cormier

    James Cormier LawnSite Bronze Member
    from Ma
    Posts: 1,218

    Your local agent that you use for your buisness insurance should be able to answer all your questions on insurance.
     
  3. qps

    qps LawnSite Bronze Member
    from Indy
    Posts: 1,484


    I have used Erie for over ten years. good company to work with.
     
  4. T Edwards

    T Edwards LawnSite Member
    Posts: 230

    I've read on this board several times that Erie has good rates, but that's not the most important part of choosing a policy. Do they cover claims adequately and in a timely manner? I think we are all interested in this.
     
  5. AssuredServicesCo

    AssuredServicesCo LawnSite Member
    Posts: 113

  6. Evan528

    Evan528 LawnSite Silver Member
    Posts: 2,144

    Erie does have the cheapsest rates around. They will pay a claim but then will drop you like a hot patato. My buddy (another LCO) received a cancellation letter from Erie today for his auto insurance after making just one $5,000 claim in the 4 years he has been using Erie. I guess thats how they can afford to keep there premiums low....1 claim and your out the door.

    I use Erie for every from my auto insurance to my home owners insurance mainly because of there rates (50% cheaper then the competition I looked into). I have filed one claim with them in 3 years wich was due to hitting a dear. They coverd the claim and everything went smoothly. Had the accident have been my fought im sure they would have dropped me like there famous for doing. :realmad:
     
  7. qps

    qps LawnSite Bronze Member
    from Indy
    Posts: 1,484


    I have had three or four claims over the years and no rate increases or cancelations due to claims. they do a good job for me.
     
  8. goforgreen2

    goforgreen2 LawnSite Member
    Posts: 57

    Check out some Green Industry publications, usually they will have several agencies that specialize in our type of insurance.
     
  9. TURF BUDDY

    TURF BUDDY LawnSite Member
    Posts: 20

    thanks guys, Most insurance companies that I have talk to wouldn't cover me when I mentioned commercial applicator. I had one tell me no less than 1500.00 a year. Is this the average cost, or what? I am curious what others are paying. thanks
     
  10. cemars

    cemars LawnSite Senior Member
    Posts: 387


    Different companies base rates on different things. I use Erie which bases rates for liability insurance on the number of employees. Other factors such as location, claim history, employee training, and exactly what type (or types) of work you do will also come into play. I gross over $600,000 a year and pay less than $1500.00 through Erie, but we have never had a claim and have ongoing safety training for employees. I would definitely recommend Erie, another company worth checking out is Weisburger, they specialize in the green industry but could'nt compete with the rates I get from Erie.
     

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