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Liability Insurance

Discussion in 'Pesticide & Herbicide Application' started by Southland, Feb 19, 2001.

  1. Southland

    Southland LawnSite Member
    Messages: 23

    I just found out that the insurance company that carries my general liability is going to charge me a premium to the tune of an additional $230 per year if I apply for my contractor's license. They say that is their policy for anyone with a Georgia pesticide license. My question is, does anyone in Georgia know of an insurance company that will insure a lawn care business without penalizing us for having a pesticide contractor's license? Any referrals would be greatly appreciated.

  2. BRL

    BRL LawnSite Bronze Member
    Messages: 1,211

    I think all ins. companies in all states will have an extra charge for covering pesticide applicators. Its a great liability risk, as we are using dangerous chemicals. You're getting a good deal down there. I think my pesticide endorsement is around $500.00.
  3. John DiMartino

    John DiMartino LawnSite Silver Member
    Messages: 2,555

    Southland-be happy-its 475 here,Id take that price and run.Do you have any idea how much one bad application (drift)near an orchard ,nursury, bee hive or farmers field can cost?What is the liability limits? 1 mill?
  4. Ocutter

    Ocutter LawnSite Senior Member
    Messages: 314

    Congrats to all mine went up 1,000.00
  5. Jim H

    Jim H LawnSite Member
    Messages: 33

    Southland, who are you using?
  6. sodzilla

    sodzilla LawnSite Member
    Messages: 219

    The two companies that I got price from were Society Ins. and General Casualty. Society didn't seem to have a problem with pesticides and General Casualty is okay aslong as pesticides don't make up more than 50% of your toal sales. 1 million liability with General Casualty is $540 a year. They are a Wisconsin Company. I don't know if they are available in Georgia.
  7. MacLawnCo

    MacLawnCo LawnSite Bronze Member
    Messages: 1,847

    Man, you are looking a gift horse in the mouth... my pest portion is well over a grand a year on top of my standard general liability.
  8. pruittwa

    pruittwa LawnSite Member
    from GA
    Messages: 1

    Southland, what Insurance company are you with and for how much coverage?

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