Going rate for tree guy insurance

[lapper]

Save your back become a govt worker. Pay is triple and no stress after 4pm. If you must go into the business then when they quote you...say thanks I'm waiting for a couple of others to call back....wait 5 minutes....call them back and tell them you got it for 1/2 what they quoted you do they want your account still?...they'll agree. I'm cheap and tried it and it worked. read the fine print!! My first CGL had "excluding tree removal" on about the 10'th page very small.I called and they said it was a mistake and removed it. But remember insurance is only as good as the companies rep for paying when you need them. Ask around what they're like first. PS I haven't had a claim yet in 11 yrs. and have 9 men full time. If you make one, get ready to change occupations because the premiums will soar if you can even still get it. I tried to change insurers a couple of yrs ago and without knowing who I was I got turned down 10 times. It's hard to start a business these days. they don't want the risky guys like tree services. good luck

 

[ATH]

Are you required to have workers comp in NY?

Doesn't every state require workers comp if you have employees?

In Ohio, we HAVE to buy it from the state (I think there are only 6 or 7 monopolistic states like Ohio, unfortunately we are one---other states allow you to buy it on the open market).

 

[1savagehunter]

Well then I got a great deal ... $700/Yr. for 2 million liability. They even let me pay it monthly.

 

[custom8726]

In NY, its about 3300 just for one guy. That is just 1 mil g/l. I still pay another 1K for my chip truck. Then there's workers comp......

Shop around its cheaper outside N.Y.

 

[OLD CHIPMONK]

Shop around its cheaper outside N.Y.

Simply go out & make $ 1 million for 2009 . Then insurance costs will seem cheap. Good Luck !

 

[DK_stihl]

Can you do that?

Shop around its cheaper outside N.Y.

Could I get insured with an agency outside the state?

 

[DK_stihl]

Worker's Comp

Are you required to have workers comp in NY?

Yes

 

[ATH]

Well then I got a great deal ... $700/Yr. for 2 million liability. They even let me pay it monthly.

Is that JUST liability?

Of my 1700 total bill, only $547 is Commercial General liability. If your $700 includes fire/theft/vandalism (inland marine), OR auto coverage as well, then I'll give you a

 

[custom8726]

Could I get insured with an agency outside the state?

Yes, We are insured through a company in Salt lake city currently.

 

[custom8726]

Yes

Not for a sole proprietorship but if you have employees, YES.

 

[DK_stihl]

Partnership

Not for a sole proprietorship but if you have employees, YES.

What about a partnership?