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insurance for the beginner?

Discussion in 'Starting a Lawn Care Business' started by lancestapp, Apr 11, 2003.

  1. lancestapp

    lancestapp LawnSite Member
    Messages: 8

    looking for the name and number of companies that insure lawn care. Liability mostly. Just doing this part time at present. I live in kentucky.
  2. reisslawncare

    reisslawncare LawnSite Member
    Messages: 15

    My insurance company told me that I can't get insurance until I have been in the business for a year? I live in Nebraska.
  3. Raven386

    Raven386 LawnSite Silver Member
    from CT
    Messages: 2,169

    Most major companies insure Businesses. Nationwide, State Farm, etc. Just have to keep checking around to see who will give you the best price. IMO i would go no lower than 1 Mil coverage, but if you had to. 500K. Do a search on here for insurance, theres a ton of threads that people have listed prices and companies that they use. Good Luck.
  4. thes

    thes LawnSite Member
    Messages: 106

    I use Selective Insurance Company http://www.selective.com/ cover landscapers under "contractors".

    Their customer service is great...I don't remember ever getting an automated system. :clapping:
  5. Jason Rose

    Jason Rose LawnSite Fanatic
    Messages: 5,858

    Try to look LOCALLY. Not sure that I would totally trust an onlne company.

    Most insurance places can get you business general liability insurance, also a good idea to add to that and get insurance on all your equipment and trailer. Your "homeowners" insurance likely will not cover your stuff that's used in a business, reguardless if it's stored at your house when the event occured or not.

    Think ahead too, are you thinking of getting a pesticide license in the future? Is yes, then many companies do NOT have provisions for this available and that narrows your search by a lot. When looking here I only found a few companies that had the "pollution" coverage I needed to obtain my license. Ask if you can get Columbia as your provider from your insurance person. That's who I have and their rates are very reasonable and the coverage is pretty good. Iv'e never made a claim of course. Usually, with ANY provider for liability ins. Once you make a claim you are automatically dropped. Nice, huh?
  6. echeandia

    echeandia LawnSite Bronze Member
    Messages: 1,131

    Both of you just need to get the yellow pages out and call around to local insurance companies/agents.
  7. Cut n Edge Lawncare

    Cut n Edge Lawncare LawnSite Member
    Messages: 47


    try these guys its who i use got a million on my business and a million on my truck
  8. rvincent

    rvincent LawnSite Member
    Messages: 19

    i got ins. today though my agent. 1mil in coverage for 400 a year, well worth it i think.

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