Insurance coverage

Discussion in 'Starting a Lawn Care Business' started by coolbrze, Jun 3, 2008.

  1. coolbrze

    coolbrze LawnSite Member
    from VA
    Messages: 133

    What insurance companies are you all using and what are you paying? Also, what's your coverage?
  2. MV Property Care

    MV Property Care LawnSite Member
    Messages: 169

    I pay $250 a year for $600,000 liability for the year. Just lawncare, no plowing. I have mine through Erie Insurance. It is a must.
  3. Liendeni

    Liendeni LawnSite Member
    Messages: 218

    I pay $427 a year for 1 mil. but I am a single operator.
  4. DA Quality Lawn & YS

    DA Quality Lawn & YS LawnSite Fanatic
    Messages: 9,292

    $135 annual thru Grinnell Mutual. Solo op no employees. GL only, no equipment coverage.
  5. Jinks

    Jinks LawnSite Member
    Messages: 9

    I'm thinking about getting into lawn care. Just cut, blow, trim... basic stuff part-time right now. I'm a police officer and just looking for extra income (but will not be a lowballer). What kind of insurnace coverage is needed for lawn care. Is it just a basic general liability or is there specific coverages needed?
  6. dura to the max

    dura to the max LawnSite Silver Member
    from georgia
    Messages: 2,246

    general liability, i have a million dollar limit. a million is the lowest for commercial around here. you need to check your local laws and regulations though.
  7. SOS Landscaping

    SOS Landscaping LawnSite Member
    Messages: 118

    geez it must be nice for you guys who live outside of NJ... insurance here for 1mil g/l through a few people is in the 1500 range per year
  8. rivercrest

    rivercrest LawnSite Member
    Messages: 4

    I work for a fairly big fert. co. in Ocean County and I'm starting a very small solo co. doing weed control . Am I doomed to this $ 1500.00 dollar sentence ? Let me know if you hear of anyone /anyplace who can lower that premium ... Mike / Rivercrest
  9. shane mapes

    shane mapes LawnSite Senior Member
    Messages: 537

    i use farmers ins. i pay 165.00 per month . 2 mil. coverage for house ,one work truck, one jeep ,one trailer , and all my stuff plus covers me when i'm on anybodies property.also covers my worker
  10. Kelly's Landscaping

    Kelly's Landscaping LawnSite Platinum Member
    Messages: 4,725

    1460 dollars a year broken in to 3 payments that’s the business package I have through hortica 2 million liability lots of extras like all the stuff in my office and about 100k worth in the shop. Then we pay 4230 dollars in auto broken into 3 payments as well that’s 500k in coverage for 4 drivers full coverage including glass. On 4 trucks 98 and 99 ram 1500 pick up 99 ram 3500 dump 89 gmc 3500 dump wish it was cheaper but that’s the price and that took 3 years of shopping to get it that low use to be double that. Then we get to pay 6% of my employee pay roll in workman’s comp.

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