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Hi, Just wondering what some of you in the north east are paying for insurance, and what the best approch is on coverage for the lawn care and plowing. thanks
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Get at least a $1,000,000 business liability policy. That should cover anything you would be liable for.
Check with your insurance agent for more details..Steve
Quality Lawn Care & Landscape Management
www.qualitylawncare.biz -
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Steve is right. Get a mil.
Better safe than sorry.
In addition be sure to check on your classification. When we were in Wisc. the friggin ins. agent put us under landscape contractor instead of maintenance. We were paying the same rates as the construction companies! For mowing and maintenance.
Big difference.
Good for the agent of course($$$), but not for us.
If you will be doing landscape installation it's fine,but if not, you'll be paying a hell of a lot more for liability ins.
Dennis E.
Grasshopper Lawn
Mulberry,Fl.
(Green Giant is my truck!)Comment
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1 mill. not only to be better safe than sorry. But when you carry 1 mill ins. You open the door to bigger commercial jobs. Also, when you bid and you have 1 mill coverage and your competitor has on 500 th. it may help win a bid. The are reassured that "if" something goes wrong you will be able to cover it.Comment
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I just called to get a quote from a agent in NH and for the equipment and related stuff 1mil/-2/mil $900.00 a year.It would only take getting bit once to wipe you out without it. A friend who used to be in the business told me the FIRST thing to do is make sure I had ins...Comment
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your friend is corect. 900.00 a year does not sound like a bad price for your equipment too. i don't cover my little stuff just big mowers.we never truly grow as a person or acomplish anything until we step out of our comfort zone.
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yea! Dan... he's a good friend. He had told me that he had been sued a few times and with the ex cleaning him out, he had enough.. The guy is a walking book, plus he has a lot of contacs that he gave me. sorta like a green mentor........
MikeComment
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do you guys include your truck, trailer, mowers, and plow under that coverage or do you use a seperate vehicle policy.Comment
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According to the agent that price was for everything except my truck. It only cost me $90.00 more to put my truck into commercial use...Comment
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