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Insurance help

Discussion in 'Starting a Lawn Care Business' started by Poorboy's landscaping, Sep 8, 2009.

  1. Poorboy's landscaping

    Poorboy's landscaping LawnSite Member
    Messages: 40

    Ok guys,
    I'v been cutting lawns now for a litttle over 4 years. I'm now thinking it time to get insurance before my luck runs out. I just don't know what I should get. I only do 10-15 lawns now but want to expand next year into 30-40. Any help or information would be great.

    I'm really only thinking about this now cause a guy that I know did $1,400.00 of damage to a house window. He was cutting and throw a rock throw a window and a 500 gallon fish tank. I'm galde he insured.:usflag:
  2. silverado212

    silverado212 LawnSite Senior Member
    Messages: 373

    Min. $1 mil liability. Mine is less than $400/yr thru Nationwide. Check with your Insurance agent and see what they can do.
  3. Poorboy's landscaping

    Poorboy's landscaping LawnSite Member
    Messages: 40

    Wow that seems like a lot. I was thinking like 10,000.000
  4. golfnpreacher

    golfnpreacher LawnSite Member
    Messages: 123

    A million is nothing in today's world. If you have the misfortune of throwing a rock and hitting a child your $10k won't cover squat. Besides most companies don't offer that low, the lowest I've seen is $500k, but the difference between that an the million was so insignificant that it is a no brain-r. Put another way, if you can't afford the premiums for $1,000,000 you got bigger problems.
  5. jada86

    jada86 LawnSite Member
    Messages: 124

    Get at least $500,000 but cost for $1M only a little higher. Well worth it.
  6. ajslawn

    ajslawn LawnSite Member
    Messages: 14

    I carry 2mil cost $222 a year
  7. 03king

    03king LawnSite Member
    Messages: 5

    Hey AJ, Who is your insurer. ?
  8. Lawn Shark prop mgmt LLC

    Lawn Shark prop mgmt LLC LawnSite Member
    Messages: 64

    I would like to know your carrier also...that is a good deal for 2 mil coverage
  9. mowerbrad

    mowerbrad LawnSite Fanatic
    Messages: 6,268

    I'd like to know how you guys get such great prices on insurance. I go through an insurance broker and the price for my $1mil policy is about $900/year.
  10. silverado212

    silverado212 LawnSite Senior Member
    Messages: 373

    Probably depends on location and Ins. Co.

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