insurance for business

[Bulldog26]

I just did the insurance this week. Million liability and 10,000 equipment for $405 but the auto is where thier getting me. $1200 a year for the cem. auto about a third more than I pay now. Grassbuster has got it. Once your ins. knows your using your veh. for com. use they have what they need to not cover you. Kiss the equipment good bye and open up that check book now. Get the ins. if nothing it's peace of mind. They can set it up in many different pay options. (1,3,4 up to 11 payments)

[jdharndt]

hi guys i got my 00' dodge and trailer and equipment + 1 mil gen. for 1186.00 a year.

[cmorris]

hi guys i got my 00' dodge and trailer and equipment + 1 mil gen. for 1186.00 a year.

If you dont mind telling us, what is the company behind the policy

[The Professional]

I got insurance again this year. i have had quotes from $1777, to $1300, to $800, and the one i went with was for $307 a year. this is a $1 million per occurance and $2 million aggregate, meaning you can have 2 occurances (claims) of $1million. or 4 $500,000 dollar claims, or 2 million $1 dollar claims.

Also, i had someone check the ratings of the different companies. the lower the rating, the more hastle it will be for them to pay a claim and more hastle for the people getting paid. something like a A++ rating is the best, I went with a B++ which is still pretty good, and it was only $307 a year.

the higher the rating the more the insurance policy price. places like hartford, zurich, and the big names are more per policy.

Also, look in the phone book and call small underwriters in your town. the big underwriting firms only work with the big insurance companies like hartford and zurich. the smaller underwriters can work with smaller insurance companies. mine is a small insurance company in my state that insures. your state probably has small insurance companies in it that small underwriters write for and can save you some money.

it's like lawns. the small insurance companies have to "low-ball" their price so they get the account, even though they dont have as much capital in case something happens, but they have to "low-ball" it to get more capital.
The big companies can set their price and you know they are quality so you can take it or leave it!

some of you already know this, i just wrote this to help people who are trying to run a legitimate business, so that way if i get low-balled it will be by a legitimate business and not by a drunk redneck scrub on a craftsman!

[S-1]

Any one in Calif, Southern, have a good, no great policy?
400-800/yr type of great policy?