Discussion in 'Starting a Lawn Care Business' started by NickWilson, Aug 13, 2008.

  1. NickWilson

    NickWilson LawnSite Member
    from Indiana
    Messages: 23

    Just a quick survey.....Do you have liability Insurance? If so how much coverage and what is your premium.
    Thanks Just curious to see what is out there.
  2. Big C

    Big C LawnSite Bronze Member
    Messages: 1,642

    Yep....1 mil GL....$600 a year
  3. hackitdown

    hackitdown LawnSite Silver Member
    Messages: 2,649

    One Mill, plus $25K in equipment coverage for about $750/yr.
  4. ATVracer

    ATVracer LawnSite Senior Member
    from Indiana
    Messages: 346

    1 Million coverage includes equipment coverage and pesticides. Less than $400 per year
    through Erie Insurance. Also have a second policy from Farm Bureau I need to cancel. They would not cover pesticides and it is $300/year.
  5. LushGreenLawn

    LushGreenLawn LawnSite Silver Member
    Messages: 2,120

    1 million coverage, coverage for pesticides, and my Zero Turn Specifically (No other tools are covered) for $471.
  6. Lawn-Sharks

    Lawn-Sharks LawnSite Senior Member
    Messages: 912

    1 Million coverage $557.00 per year.. Amount doubles for every employee i hire that i pay 15,000 per year or more.
  7. brandtb1

    brandtb1 LawnSite Member
    Messages: 153

    It is based on either employees or payroll. The more that you have, the higher the cost of the insurance. One guy should get $1,000,000 for about $350 -$450 per year and the equipment will be a little bit more. If you are running five employees full time, it will be a lot more.
  8. DA Quality Lawn & YS

    DA Quality Lawn & YS LawnSite Fanatic
    Messages: 9,295

    500K limit, $135 annual thru Grinnell Mutual. Solo op here, no employees, GL only.

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