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Insurance Question

Discussion in 'Lawn Mowing' started by Calvert Lawn, Feb 28, 2012.

  1. Calvert Lawn

    Calvert Lawn LawnSite Member
    Messages: 21

    When I started my mowing business three years ago, my insurance agent advised me that all I needed was a $300,000 policy if I was just going to mow. However, Ive noticed several posts talking about 1million liability. Do I need to up my coverage?
  2. hammmerhead

    hammmerhead LawnSite Senior Member
    from ozarks
    Messages: 264

    Sometimes a 1mm/2mm policy is required by the companies or owners of housing projects, retirements homes, City land, etc. I wouldnt go less than a 1mm/2mm policy period. Negligence is a big word for a reason. A worker or operator could be on pain meds from an injury or have a couple beers at lunch and hit a rock with a mower that in turns clocks someone in the head which could erase a business. 300K might not last long when dealing with Head trauma, Brain damage, Coma, Helicopter ride, etc. If a court finds that there was Negligence involved they can come after everything you have. Crap like this happens somewhere every day.
  3. DA Quality Lawn & YS

    DA Quality Lawn & YS LawnSite Fanatic
    Messages: 9,279

    1 mil would be the std min for me.
  4. JB1

    JB1 LawnSite Fanatic
    Messages: 5,904

    depends on how much you got to lose.

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