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Discussion in 'Starting a Lawn Care Business' started by MJK, Jun 21, 2006.
Trying to see if i can afford Liability insurance or not.
can you afford not to have it?
Different places different companies it is all going to vary. However, you are talking 1k -2k average. Depending on how much and what you have covered. Ours is more then some and less then others. However, our policy covers gen liab. inland marine, auto, snow plowing, chemical, and fire. That is why I didn't put how much ours is. Last year Gen liab, inland marine, and fire cost us around $1,600 for the year.
that's expensive !!!
i have a 1 mill liability... only costs me $385 a year.
it does cover damage to my equipment but not my truck.
it basically just cover's me if i break some one else's property
Thats what i want something to cover me busting someones property.
i beleive it's called a limited liability policy < i don't remember off hand > i got it to cover me for plowing snow and it only cost me an extra $15 a year to add landscapeing to the policy. i got it thew american family insurance.
That's a pretty good price. Of course ours covers theft, damage, all the bells and whistles. However, huge difference in price. We pay about 6k a year. That includes 1mil gen, auto, snow, chemical, inland marine, fire, etc.
Course I am in Jersey the insurance, and attorney capital of the nation(lol). I think that 1 mil gen liab around here would probably be around $500 to $600.
I know of others around here that are paying even more then we are. However, most LCO's just starting out probably do not need much more then a 1mil gen.
Btw, Nekos I agree with you that is expensive! And customers wonder why I will not cut lawns for less then what we charge (lol).
I pay about $800 just for liability. And that just for grass cutting. My ins. wants more $ for landscaping
1 mil = $600 for me
300,000= $148 for me. Just liability