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  • Insurance?

    I have just started my business and am havinf a hard time finding insurance. Most places are telling me you need 2 years as a business. I was wondering who some of you just starting are using.

  • #2
    Never heard that one but I use to use nationwide

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    • #3
      I have Allstate. They had the same requirment. I used The Hartford till I was able to get someone cheaper. Good Luck finding someone.
      Liberty Landscaping LLC
      www.libertylndscpng.com
      Woodbridge, NJ

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      • #4
        I didn't run across that issue either.
        Most places I contacted did ask how long I've been doing this sort of work (even counting experience before starting up), not one of them told me I couldn't be covered because I wasn't in business for two years - even Allstate. (Although Allstate's quote was through a subcontracted carrier)


        I ended up using Erie. I believe my policy is written by another carrier, with "Erie enhancements" added on.


        There are hundreds, if not thousands of agents out there - start calling around.

        Good luck!

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        • #5
          Thanks guys. I ended up calling USAA, they use the Hartford. Its not cheap but it works.

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          • #6
            The insurance companies will insure you, they just can't give you the 1,000,000+ policies until you have been in business a 2 or 3 of years.
            http://www.lunchesruslawncare.com

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            • #7
              The insurance companies will insure you, they just can't give you the 1,000,000+ policies until you have been in business a 2 or 3 of years.
              I didn't hear that from anyone I called either.

              I'm insured to 1 mil. and haven't even been in bus for a year yet.

              (shrug)

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              • #8
                So newer businesses it seems aren't able to get the higher insurance coverage? Does it also effect their premiums? Are they charging more for new businesses?
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                • #9
                  So newer businesses it seems aren't able to get the higher insurance coverage? Does it also effect their premiums? Are they charging more for new businesses?
                  I found coverage, got 1,000,000.00 policy, It is a little more than what my neighbor is pay for his. Right or wrong they look at a new business as a higher risk, because there is no history to base on. They asked how long I had worked in the industry, but I don't think my 10 years lowered my premiums.

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