[Lasko's Lawn Service]

Howdy,
I do mowing, landscaping, fert/squirt. My yearly premium is 520 bucks for 200,000 of liability. Can any of you guys get a PA quote smaller than that? Looking to shop around for the best deal. Must include these services though
Thanks.

 

[DA Quality Lawn & YS]

Seems high. Guys in your area quote Erie Ins. I believe. Try em.

 

[Lasko's Lawn Service]

That's who I currently have it with too.

 

[silverado212]

Don't remeber exact numbers but I think mine is around that for GL and Comp for $1mil coverage. Through Erie

 

[mowerbrad]

I've been thinking about a new $1mil policy myself, I'm at $900+/year right now. I went through an insurance broker to get it, but it seems awefully high to me compared to other prices people are paying. I actually have been thinking of dropping it down to a $500,000 policy since I don't get into the commerical properties very often and stick with mainly residential.

I should really try one of the local state farm/progressive/allstate agents in the area.

 

[mruiz]

Try Farm Family, so far I'm very happy with them. They deal alot with landscapers.
Good Luck.

 

[SouthSide Cutter]

I think mine is thru Farmers Mutual and its 280.00 for 1000000 coverage.

 

[Richard Martin]

I have State Farm. $1,000,000 liability, $20,000 full replacement cost on equipment. $769.92 last year. The liability is only about 1/2 of the total.

 

[motorscot]

$1596/yr for $1m/2m umbrella

 

[Pjslawncare]

I have $125 quarterly for $1M

 

[TimsLawnCareVA]

I have Virginia Farm Bureau and pay $513 a year for $2million liability.

 

[tjlco]

what the crap?????? I'm paying almost 2 grand for 1 million.....the 500k was only 100 a year cheaper.....maybe its a fla thing????

 

[Richard Martin]

what the crap?????? I'm paying almost 2 grand for 1 million.....the 500k was only 100 a year cheaper.....maybe its a fla thing????

A lot of insurance companies charge on "exposure" or the likelihood that you'll have an accident. State Farm does as does Harford (yes, I did spell that right, there's 2 different companies) Insurance. I get audited every year and they base the premiums on gross sales. I have 25 customers, you have 250. Guess who pays more?

 

[CollegeMowers]

2 million for $360

I have around 140 customers...

and four employees...

Country Financial Rocks!

 

[Mowerman2112]

Southside Cutter that sounds great, how does that break down? I must be paying way to much for my coverage, need more to get the commercial accounts, does that also cover WC?

Thanks for the Help!
Rose Lawn Care

 

[yardatwork]

I go through Nationwide and have a million liablility and it's only $450...but I don't do spray/fert...I'm pissed at PA for having us pay the gov't to do EVERYTHING now. Over the counter product = must be licensed...BULLSH*T. Planting a shrub...gotta have a greenhouse license. Building a retaining wall...must have contractor license...but you don't need any schooling...just send us $50. Greedy pricks!

 

[mruiz]

I go through Nationwide and have a million liablility and it's only $450...but I don't do spray/fert...I'm pissed at PA for having us pay the gov't to do EVERYTHING now. Over the counter product = must be licensed...BULLSH*T. Planting a shrub...gotta have a greenhouse license. Building a retaining wall...must have contractor license...but you don't need any schooling...just send us $50. Greedy pricks!

Hey stop posting stuff like this, I don't any other states to get the same ideas going :nono:

And I was thinking of movingto Pa. Now what?

Now back to the insurance, I don't know if any other states have this but in NJ if you join NJ Farm Bureau and become a member you get discount on your insurance policy. You save more on insurance then the membership due.

 

[green_with_envy]

Call Jim here

http://www.cvinsurance.com/help/contact.asp

Mine for one million is like $300 per year. That includes fert and squirt.

 

[SouthSide Cutter]

Southside Cutter that sounds great, how does that break down? I must be paying way to much for my coverage, need more to get the commercial accounts, does that also cover WC?

Thanks for the Help!
Rose Lawn Care

I am going to change mine. I was looking at it and its 2000000.00 and so much for property damage. No WC, I am retired but this just covers myself, my son and grandson.
Changing to cover equipment to about 40,000 and the rest the same. Going from Farmers Mutual to Farm Bureau I think.

 

[tjlco]

A lot of insurance companies charge on "exposure" or the likelihood that you'll have an accident. State Farm does as does Harford (yes, I did spell that right, there's 2 different companies) Insurance. I get audited every year and they base the premiums on gross sales. I have 25 customers, you have 250. Guess who pays more?

Yeah that does seem logical, I never looked at from that aspect.....guess it may be time for "less" customers...though that may not work as they would look at my gross revenue anyway....