What are you paying for your insurance?

Discussion in 'Starting a Lawn Care Business' started by i8uwithalime, Feb 25, 2011.

  1. Brett's Lawn Care

    Brett's Lawn Care LawnSite Member
    Messages: 48

    I get your point! I went to my ins guys office told hoim what I wanted, he said he'd have to make a cpl calls bc he doesn't write these type of policies up often. I wrote a check for 920 for 1 year gen lia ins. Maybe I should have reseaerched more- I just assumed with my 3 vehicles and home policies it would make the rate a little cheaper. After rewading this oi am WAY wrong!!!!!!
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  2. superdog1

    superdog1 LawnSite Member
    Male, from Lebanon, PA
    Messages: 218

    You are very wrong Sir. Most CO's only extend discounts to personal lines policies like home, auto and life. Commercial lines are an entirely different animal and you will be charged the same rate as any other person coming in off the street. The fact that you have personal lines stuff there is irrelevant.

    Whenever they tell you upfront that they need to call someone and do not write a lot of commercial policies, it should immediately make you run for the door. Here again, if it were heart surgery, do you want a specialist or someone who just plays with it once and awhile?

    Lets face it, when the proverbial **** hits the fan, it is too late. If you didn't have the coverage you needed BEFORE the claim, they sure as heck won't add it and back date it to cover you now.:hammerhead:
  3. G780

    G780 LawnSite Member
    Messages: 18

    on 1 truck we pay about 1200/yr
  4. triadncman

    triadncman LawnSite Member
    Messages: 72

    Cheap liability isn't worth a crap if the deductible is 3 times the premium per incident.

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