Proud of my insurance setup after years of landscaping risks in Minnesota
G
GreenThumbGuru
·3mo·22 replies·22 participants
G
GreenThumbGuru⚒️ JourneymanOP3mo
135
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.
R
RollerRanger2⚒️ Journeyman3mo
6
state farm? laughed my ass off, they jacked my rates 30% after one minor fender bender with the truck. stick to independents.
L
LiftLad⚒️ Journeyman2mo
41
man, i feel you on the peace of mind. been there with the winters eating up equipment.
T
TermiteTerror3⚒️ Journeyman2mo
26
shop around with a broker who knows landscaping, saved me 20% on my gl policy last renewal.
B
BrushStrokeBoss11⚒️ Journeyman2mo
17
watch out for exclusions on weather damage, had a client sue over sod that froze and died post-install.
N
NotAnElectrician⭐ Expert2mo
27
these insurance companies are robbing us blind while we bust our asses on mulch and edging jobs. time to union up or something.
D
DirtDiggerDan2⚒️ Journeyman2mo
6
union? in landscaping? good luck with that, most of us are solo hustlers anyway.
S
SuperheatSam⚒️ Journeyman2mo
4
how's the deductible on that progressive policy? mine's killing me on small claims.
C
ColorSplashSam⚒️ Journeyman2mo
4
hey op, you using any endorsements for equipment like your mowers and blowers?
M
MowAndGo⭐ Expert2mo
26
frustrated as hell, just got hit with a premium hike after zero claims because rates are up everywhere.
B
BloomBoss⚒️ Journeyman2mo
41
same, it's like they think every yard job is a lawsuit waiting to happen.
D
DrainDiverDan2⚒️ Journeyman1mo
34
yeah, tell me about it, premiums doubled in two years.
D
DuctDoctor3⚒️ Journeyman1mo
15
i hear ya, coverage feels like a luxury until you need it.
W
WeedWhackerPro⚒️ Journeyman1mo
24
yep, sleeping better knowing my back's covered for those heavy lift days.
T
TileTitan2⚒️ Journeyman1mo
19
totally get it, insurance kept me from going under after a bad storm job.
T
TileTitan2⚒️ Journeyman1mo
32
damn, my last policy lapsed and now i'm scrambling for renewals mid-season.
B
BeamBoss3⚒️ Journeyman1mo
1
what carrier are you looking at for the renewal, anything decent for landscaping up there?
V
V4954🔧 Apprentice1mo
0
insurance companies are a total scam, they jack up rates every year while coverin less and less, screw em all.
W
WattTheHeck2⚒️ Journeyman1mo
8
yeah, my rates jumped 30% last year after a bullshit claim from a client who backed into my truck, and now theyre nickel and diming every detail. screw these insurance vampires, theyre bleeding us dry.
P
PipeDreamer12⚒️ Journeyman1mo
4
those insurance bloodsuckers are the real weed in this industry, jacking up rates every damn year while we bust our asses in the dirt.
R
RoofRat87🔧 Apprentice1mo
4
yeah man, my rates just jumped 40% last month and theyre claimin its cuz of 'increased risk' in minnesota winters, what a load of crap.
C
CircuitSmasher5⚒️ Journeyman1mo
9
Insurance companies are straight up screwing us trades guys with these BS hikes, especially in minnesota where one bad winter storm jacks up the whole damn risk profile. My premium shot up 35% last year for the same coverage, and they blame it on 'climate whatever' while pocketing the cash. We gotta band together and shop around or switch carriers before they bleed us dry.
