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Discussion in 'Business Operations' started by jones68, Feb 6, 2013.

  1. jones68

    jones68 LawnSite Senior Member
    Messages: 453

    I know this topic has been discussed on here before, but I would like to get some current information.

    What insurance companies are you guys using? What does your policies include/cover? and what is your cost?

    I know wording has a lot to do with cost and coverage. I want to make sure that I am covered without paying for something that I dont need.

  2. Landrus2

    Landrus2 LawnSite Fanatic
    Messages: 5,006

    Do you have employees.:waving:
  3. skorum03

    skorum03 LawnSite Senior Member
    Messages: 354

  4. jones68

    jones68 LawnSite Senior Member
    Messages: 453

    Ok I should have specified I am mostly solo but i will pull an occasional guy in to help with a rail road tie (those things are too much for me to muscle around all day) or in the fall time i pull someone in to help with leaves and such.
  5. KG26

    KG26 LawnSite Member
    Messages: 134

    I'd say call around and get quotes, If you are looking to do commercial then you should have minimum $1mill policy, GL... I'll leave it to the other guys on here everyone's is different.
  6. JimMarshall

    JimMarshall LawnSite Senior Member
    from NW PA
    Messages: 316

    I get mine from Erie Insurance......
    Posted via Mobile Device
  7. Fahzu

    Fahzu LawnSite Member
    Messages: 119

    In Southern California, I am paying $113 per month for 1 mil. coverage. 60k in sales. Call and get quotes from brokers, you don't have to commit to anything. It's based on your sales so you will have to project what you will make for the year. Workers comp is more and hard to get, that's based on your projected payroll.

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