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Business Insurance in Michigan Info.NEEDED?Thx

Discussion in 'Starting a Lawn Care Business' started by SuperZZZ, Mar 2, 2006.

  1. SuperZZZ

    SuperZZZ LawnSite Member
    Messages: 30

    Trying to find a co. for some lia.insurance any one from michigan have any insurance co. with a decent price.just got a quote at 1330.00 for 12 mnths.That was for 1mil. in liability and $7,500 for equipment.Any info. on some ins. co. would be greatly appreciated.Some names oc insurance co. to check with would be great!Thx all take care
  2. lowballer17

    lowballer17 LawnSite Member
    Messages: 184

    Call Karcher agency: 313 277 4600
  3. SuperZZZ

    SuperZZZ LawnSite Member
    Messages: 30

    Thats who i got the quote from mike at Karcher. He said he had a new co. from Ohio coming in next week.He said he'd call me back with new quote.Thanks for the info tho. greatly appreciated.anymore info. on insurance co. would be great thx again!:hammerhead:Thx lowballer17:)
  4. Grassmechanic

    Grassmechanic LawnSite Silver Member
    Messages: 2,697

    I use Safeco. My insurance with pesticide apps. is less than what you were quoted. If you are a new company, your ins. is going to be a little higher than those that have been established a while. My agent will write a policy anywhere in Mi. PM me for more info., if you want.
  5. get rich

    get rich LawnSite Member
    Messages: 195

    I would look up an independent insurance guy and call him with questions. My independent agent lined me up with pekin, and they offer great rates for small to mid sized landscape companies. There should be plenty of independent insurance guys in the yellow pages, almost as many as there are landscapers...lol. good luck
  6. lowballer17

    lowballer17 LawnSite Member
    Messages: 184

    I deal with Mike at Karcher agency. My liability policy is for $300,000. $1million seems over kill on liability unless your cutting commerical buildings/lots.
  7. SuperZZZ

    SuperZZZ LawnSite Member
    Messages: 30

    Thanks again all for the info.Found a ins. co.if needed for others in michigan.Try calling Loyalty Ins. Broker at (734)454-5450 ask for Gary was great help.They went with Hastings mutual with a $500 deduct.6,000 in equipment coverage and cover 500k-1mil. policy.Also Hastings is a admitted co. just in case they went outta bus. or bankrupt you are still covered.One thing to check out when searching for Ins.Thanks all.Hope your bus.thrives
  8. stumper1620

    stumper1620 LawnSite Bronze Member
    Messages: 1,889

    I have Allied, 1 mil liability, 1 mil pest, 1st 25k equipment included, 560 per year, I carry an additional rider for equipment over the 25k mark.

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