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General Skidsteer & Technical Topics
Construction & Landscaping
Liabilty Insurance Co. Needed
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<blockquote data-quote="Earthwerks Unlimited" data-source="post: 13971" data-attributes="member: 1300"><p>I'm in SE Michigan. I pay as a Sole Proprietor $900 a year--- so long as I don't have "payroll" (what I pay myself to cover only my living expenses) of more than $28,000 per year. After that it ranges from an additional 18% of payroll for doing landscaping to 32% if I do excavating and even grading or spreading of dirt. And I am very vague when I tell them how deep I go down too---the deeper you go the more it costs. I'm paying a total of $3200 a year for $2.3 million aggregate coverage with $2500 tool coverage, a $20,000 4x4 tractor, a 24' enclosed car hauler, a 5yd dump trailer, and a '03 4x Ram diesel. If I were to insure ONLY the Ram as a regular private citizen (non-commercial) I would be aying at least $1200 a year just for that. The new skid steer has its own policy which is part of the payment---something like $1200 for 5 years.</p></blockquote><p></p>
[QUOTE="Earthwerks Unlimited, post: 13971, member: 1300"] I'm in SE Michigan. I pay as a Sole Proprietor $900 a year--- so long as I don't have "payroll" (what I pay myself to cover only my living expenses) of more than $28,000 per year. After that it ranges from an additional 18% of payroll for doing landscaping to 32% if I do excavating and even grading or spreading of dirt. And I am very vague when I tell them how deep I go down too---the deeper you go the more it costs. I'm paying a total of $3200 a year for $2.3 million aggregate coverage with $2500 tool coverage, a $20,000 4x4 tractor, a 24' enclosed car hauler, a 5yd dump trailer, and a '03 4x Ram diesel. If I were to insure ONLY the Ram as a regular private citizen (non-commercial) I would be aying at least $1200 a year just for that. The new skid steer has its own policy which is part of the payment---something like $1200 for 5 years. [/QUOTE]
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Liabilty Insurance Co. Needed
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