Insurance Whats it gonna cost me??

Discussion in 'Pesticide & Herbicide Application' started by Quail Creek LC, Jul 11, 2003.

  1. Quail Creek LC

    Quail Creek LC LawnSite Member
    from IOWA
    Messages: 155

    Guys, next year I plan on getting into fert aplications. I have passed my state tests, but I am not licensed due to the fact that I need to show proof of insurance. Give me an idea what it is going to cost me a year. The state says that I need a minimum of $50000 liability. Thanks
  2. lawndreamer

    lawndreamer LawnSite Member
    Messages: 54

    I'm not sure on 50,000 I got a quote on mowing and trimming trees for a 100,000 liability it was 564.00 a year. I also got estimate on spraying fert and weed control it was 3000.00 a year for a 1 milllion liability policy. I have found that others in other areas get better rates. It depends on where you are located. 50,000 liability shouldn't be that expensive though. Kentucky requires you to get 1 million liability.
  3. walker-talker

    walker-talker LawnSite Platinum Member
    from Midwest
    Messages: 4,771

    I have 1mil GL with pesticide written in it for $1000 a year or $500 a year for each, however you want to look at it.

  4. Lawn Solutions

    Lawn Solutions LawnSite Member
    from midwest
    Messages: 39

    I pay $875 for 1 mil coverage for pesticide and limited pollution coverage. Just as info, if you are planning to do commercial accounts you probaly should go with at least 1 million in coverage.
  5. bobbygedd

    bobbygedd LawnSite Fanatic
    from NJ
    Messages: 10,178

    who needs insurance, its for people who are afraid to take risks
  6. Russ

    Russ LawnSite Senior Member
    Messages: 540

    Indiana requires 300,000. Most commercial require 1 Mil 5 & 5 Total. I got the 5 & 5 for 1 mil total for $900.00 a year. 20% yearly increase or submit to a finical audit. Gotta pay the whole year even if your not working cause the ins. co likes it that way. Drop it for6 months and your screwed.
  7. jeff_0

    jeff_0 LawnSite Senior Member
    from md
    Messages: 401

    i pay $213 for $500,000 that does include lawn care. mowing, fertlizing... i guess in md it's pretty cheap
  8. Lawn Tek

    Lawn Tek LawnSite Senior Member
    from u s a
    Messages: 457

    Anyone who wants a fert License in this state .

    Lawn Solutions who is your carrier ?
  9. Lawn Solutions

    Lawn Solutions LawnSite Member
    from midwest
    Messages: 39

    Evanston Insurance Company

    Through my local Independent Agent
  10. rodfather

    rodfather LawnSite Fanatic
    Messages: 9,501

    bobby...statements like that make you sound like the old Lawn Chopper that got banned a while back. Now there was a clown (him) who once posted that you didn't need insurance cause if you got hurt on a customer's prop, you just go after the homeowner's carrier...LOL. What an ----- he was.

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