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Insurance Rates

Discussion in 'Business Operations' started by stevesmowing, Nov 22, 2004.

  1. stevesmowing

    stevesmowing LawnSite Senior Member
    Messages: 847

    Right now I am 16 and this has been my 3rd year in the business. Next year I def. need to pick up insurance. I was curious how much I should be expecting to pay for liability, and commercial on the truck and so forth. Any ideas where to get the insurance? I heard Erie was good and need to look into them more. Also would I have any problems with getting the business registered with the county even though I am minor. I know I can't sign contract.
  2. packerbacker

    packerbacker LawnSite Bronze Member
    Messages: 1,433

    I use American Family but i get a discount for for having 3 policies with them
  3. Rick Jones

    Rick Jones LawnSite Senior Member
    from NY
    Messages: 427

    I've got Erie & Niagara. It's about $600/year. Tons of contractors in Upstate NY use them.
  4. aees115

    aees115 LawnSite Member
    Messages: 32

    i get insurance for less then a 1000 for a great premium. i think you may have a problem with starting a bank account when you underaged thats usally how you sign up with the state. i dont think the county will give you trouble though
  5. Husky03

    Husky03 LawnSite Senior Member
    Messages: 432

    $600 a year for 1 mil. liabilty? How much more is commercial drivers insurance over regular insurance?
  6. YardPro

    YardPro LawnSite Gold Member
    Messages: 3,570

    ours is about 1K/year for million $ coverage.
    then auto (liability, collision, and comprehensive) is about $3000.00/year (for 4 vehickes)

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