My insurance quote

Discussion in 'Business Operations' started by 24ON48OFF, Mar 29, 2006.

  1. 24ON48OFF

    24ON48OFF LawnSite Member
    Messages: 52

    I was very happy when I got my insurance quote today. $300,000 with a limit of $600,000 a year for $391.00 a year. From other quotes I have seen on here I was amazed at how low it was.
  2. StBalor

    StBalor LawnSite Senior Member
    Messages: 798

    Don't be amazed yet. Most of the quotes they are talking about on here are for 1,000,000 and 2,000,000 in coverage.
  3. 24ON48OFF

    24ON48OFF LawnSite Member
    Messages: 52

    I have seen several for $100,000. This should be plenty for me. Saw one the other day for $10,000,000 that is some serious coverage!
  4. grandview (2006)

    grandview (2006) LawnSite Gold Member
    Messages: 3,465

    I had to bump mine up to 2mill. for the D.E.C. for pesticide appls. cost me 1,000.00 for the year.
  5. 24ON48OFF

    24ON48OFF LawnSite Member
    Messages: 52

    Irrigation and anything that involves chainsaws and ladders ups the price too.
    I guess they figure chainsaws and ladders dont mix wellpayup
  6. Fantasy Lawns

    Fantasy Lawns LawnSite Bronze Member
    Messages: 1,912

    Most liability quotes factor in the number of employees or yearly gross payroll

    Just like if you have 3 cars on a policy as opposed to just 1 car ....but all have the same coverage .... with 3 cars you have more damage to cover if all 3 or 2 get damaged

    5 employees have 5 times more opportunity to cause damage as too just 1

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