Joined
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238 Posts
I have come up for renewal and I am paying an arm and a leg for insurance. I am having the darndest time finding good rates. I do "some" tree trimming, mostly pruning. The largest tree I ever chopped down (8ft) was more of a shrub than a tree LOL! I also do pesticide spraying. But 90% of my business is maintenance, mowing, stringing, edging, blowing, hedgetrimming, and pruning. The "tree trimming" and pesticide spraying seem to scare away what few insurance companies I can find that will even insure a gardener. Now I know why so few people are insured! Not that I'm not. Here is what I paid last year after audit. I had to refute it because they misrated me originally, and they had to eat a lot of the liability insurance, but still. That's what they WILL charge me this year if I don't switch.
1 Million coverage liability(2mil aggregate) = 3848$,
1 million auto (full coverage) = 915.72$,
workers comp (16k yearly payroll) 1303$,
an inland marine policy(mobile equipment)valued at 16,485$= 1260$.
-Need 20k of inland marine now-
Total 7376.72
Out of 5 businesses I called I was only able to get one full quote the only quote I was able to get is
2146.57 for liability,
1164 for auto,
1791 for workers comp,
...misplaced the inland marine quote....
Total
I need HELP?!?!?! Any insurance guys here? My info is in my sig, I have no claims, 1.5 years in business, 1 accident on my dmv report from over a year ago (not business).
1 Million coverage liability(2mil aggregate) = 3848$,
1 million auto (full coverage) = 915.72$,
workers comp (16k yearly payroll) 1303$,
an inland marine policy(mobile equipment)valued at 16,485$= 1260$.
-Need 20k of inland marine now-
Total 7376.72
Out of 5 businesses I called I was only able to get one full quote the only quote I was able to get is
2146.57 for liability,
1164 for auto,
1791 for workers comp,
...misplaced the inland marine quote....
Total
I need HELP?!?!?! Any insurance guys here? My info is in my sig, I have no claims, 1.5 years in business, 1 accident on my dmv report from over a year ago (not business).