Liability Insurance Shopping

Discussion in 'Pesticide & Herbicide Application' started by greenman099, Dec 9, 2010.

  1. greenman099

    greenman099 LawnSite Member
    Messages: 27

    Shopping around for insurance prices for liability for chemical apps. Anybody recommend a carrier or agent? I'm in Alabama.

    ALATURF LawnSite Member
    Messages: 116

    Try Woody Dozier at Dozier Ins. Agency 420-3798. He takes care of mine and has been competivly priced.
  3. Ric

    Ric LawnSite Fanatic
    Messages: 11,969


    Thomco is the Main Nation Wide insurance provider of Pesticide liability. They work with almost every Independent insurance agent. So most any independent insurance agent can write you. BTW I just renewed my insurance for the next year with Thomco.
  4. ant

    ant LawnSite Silver Member
    Messages: 2,463

    farm and family they are a sponsor on this forum
  5. DA Quality Lawn & YS

    DA Quality Lawn & YS LawnSite Fanatic
    Messages: 9,178

    Don't know about carrier...but make darned sure the coverage you take out covers apps INCLUDING Prop Dam coverage for mistakes in application (i.e. round up in a tank of 3way). Ask explicitly then see in writing that you have the proper coverage. Some agents don't know their head from their booty on this.
  6. turf hokie

    turf hokie LawnSite Silver Member
    Messages: 2,751

    Good luck finding a carrier that will insure mistakes (negligence) We use Farm Family, they are awesome. However, the specifically EXclude damage caused by mistakes. I am ok with that, why? because we should know better, isnt that why we have a license and training?....and it keeps my insurance premiums down because my carrier is not paying out for every idiots "mistake"

    my 2 cents
  7. cgaengineer

    cgaengineer LawnSite Fanatic
    Messages: 15,777

    Check with Auto Owners Insurance Co...the name implys they are for autos, but they cover chemical applications.
    Posted via Mobile Device
  8. Nitroman

    Nitroman LawnSite Member
    from indiana
    Messages: 217

    Erie Insurance is great
  9. DA Quality Lawn & YS

    DA Quality Lawn & YS LawnSite Fanatic
    Messages: 9,178

    I believe it is called Voluntary Property Damage coverage and it does exist.
    Boy, if I could not cover my butt for that exposure, what the heck do I even have the coverage for anyway? Might want to check with your agent.
  10. mike174

    mike174 LawnSite Member
    Messages: 240

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