Need new liability insurance

Discussion in 'Business Operations' started by JonLawn, Oct 11, 2018.

  1. JonLawn

    JonLawn LawnSite Member
    Messages: 241

    For the last 5 years my annual liability insurance policy was $328/year. No deductible, but the understanding that the premium would skyrocket if I ever made a claim. I never had a claim but at renewal time this year the premium had jumped to $549/year.

    Now I think that $549/year is fair, I just don't appreciate the 67% increase with no forewarning or communication. I am curious if anyone has recommendations for liability insurance providers for LLCs. Preferably one that specializes in our industry so that I can be covered for all job types we do - mow, pesticide etc. but not have to pay for things we don't do - irrigation, tree work etc. Customer service would be a plus ;)
  2. Charles

    Charles Moderator Staff Member
    Messages: 11,063

    Many of them go up like that. Which is why I don't have it for mowing lawns
  3. JonLawn

    JonLawn LawnSite Member
    Messages: 241

    Understood. State requires it for pesticides.

    JLSLLC LawnSite Fanatic
    Messages: 12,983

    I went onto insurance bee or something like that and got one through hiscox I believe
    MNLawns, Walker56 and hort101 like this.
  5. JonLawn

    JonLawn LawnSite Member
    Messages: 241

    Just got Hiscox as well. Thanks.
  6. oqueoque

    oqueoque LawnSite Platinum Member
    Male, from Jersey
    Messages: 4,478

    I called hiscox & they said would not insure for Pesticides. Maybe it varies by state, or they now offer it. My liability went from around $950 to over $1500. this year. I'm shopping this winter & will call Hiscox as well as Farm Family Insurance, plus some brokers.

    My vehicle insurance also skyrocketed, but Workers Comp decreased a little.
  7. MNLawns

    MNLawns LawnSite Bronze Member
    Male, from MN
    Messages: 1,287

    I use hiscox

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