Ok try to keep the grilling to a minimum. I should have done this last year. This is my first full year mowing and I am looking to purchase liability insurance especially since I may be looking for a helper. Here is what I have. I want to cover approximately 13K of equipment. The lady at my agency (Farmers) is working up a quote for 300K, 500K, 1 & 2 million for damages I may do. What is a good rate to expect from these coverages. I really at this time don't plan to do much commercial properties just due to the fact that I do this part time. Any input on premiums and companies that you use would be helpful. Thanks!