Proud of my insurance setup after years of landscaping risks in Minnesota

Finally got my commercial liability insurance squared away after that close call last year with a retaining wall job that nearly collapsed during a storm. I'm up in Minnesota and the harsh winters make everything trickier, so I went with a policy from Progressive that covers up to $2 million for property damage and worker's comp for my three-man crew. Been in the game 15 years, started solo with just a John Deere ZTR mower, and now this setup gives me peace of mind pushing for bigger installs like patios and irrigation systems. Saw a discussion in the Landscaping Professionals Facebook group about low-maintenance ideas for Minnesota yards, and it got me thinking how good coverage lets me recommend stuff like native perennials without worrying about lawsuits if a client trips over a root. Anyone else feel like insurance is the real backbone of scaling up?

screw progressive, they denied my claim on a tree removal gone wrong because of some fine print BS. go with state farm if you want real coverage.

man, i feel you on the peace of mind. been there with the winters eating up equipment.

shop around with a broker who knows landscaping, saved me 20% on my gl policy last renewal.

watch out for exclusions on weather damage, had a client sue over sod that froze and died post-install.

these insurance companies are robbing us blind while we bust our asses on mulch and edging jobs. time to union up or something.

how's the deductible on that progressive policy? mine's killing me on small claims.

hey op, you using any endorsements for equipment like your mowers and blowers?

frustrated as hell, just got hit with a premium hike after zero claims because rates are up everywhere.

i hear ya, coverage feels like a luxury until you need it.

yep, sleeping better knowing my back's covered for those heavy lift days.

totally get it, insurance kept me from going under after a bad storm job.

damn, my last policy lapsed and now i'm scrambling for renewals mid-season.