Insurance for business

[DetailnByDustn]

Talk to a rep at state farm (very hot, probably continue to talk to :chuckle:) she gave me a quote for general liablitiy for my business:



$236 (a year) for up to $1,000,000



$200 (a year) for up to $200,000



Which one is the best to go with? Ill proabably be doing private jets in around a year. For $40 more a year I would`nt mine having better insurance, when I needed it.

[Barry Theal]

That is insanely cheap! just get the 1,000,000

[vtec92civic]

yeah that is very very cheap. I was quoted locally $1200 for the year . . . . . so i`m confused as to how it could only be $236 for a year where you are at.

[DetailnByDustn]

Thats what she said, general liability would be 236 a year for $1,000,000 I thought she meant 236 a month but it ended up a year, I have no idea how she figured that up, she brought out a book and figured it up.



Maybe it was my attractivly good looks that got me a deal haha :chuckle:

[gone postal]

yeah that is very very cheap. I was quoted locally $1200 for the year . . . . . so i`m confused as to how it could only be $236 for a year where you are at.



Aren`t you in HI?? 5 times the price seems about right.... :lol

[DetailnByDustn]

Aren`t you in HI?? 5 times the price seems about right.... :lol



Do I have to take a pic of the quote? Thats what she said, I promise

[gone postal]

Do I have to take a pic of the quote? Thats what she said, I promise



I wasn`t quoting you....nor do I think you`re in HI (Hawaii) seeing how it clearly says "Mars Hill, NC" in your little profile box over <--------------

[DetailnByDustn]

oopss sorry wasnt reading carefully

[David Fermani]

Talk to a rep at state farm (very hot, probably continue to talk to :chuckle:) she gave me a quote for general liablitiy for my business:



$236 (a year) for up to $1,000,000



$200 (a year) for up to $200,000



Which one is the best to go with? Ill proabably be doing private jets in around a year. For $40 more a year I would`nt mine having better insurance, when I needed it.



Come on? For $36 more a year, do you need a forum to help make a decision for you? You`re getting 5 times the coverage.......:idea

[flamewerks]

I pay CDN $1300 a year. That`s 2.000.000 liability, 100.000 garage coverage (any customer car up to $100.000 on my property is covered), and also insurance for driving customer vehicles, since I often pick up and drop off customer cars.

[jose206]

I was quoted just yesterday at $53 a month for up to $1million a year. Not bad either, but cant beat what you got. Thats liability ins, so whats garage keepers insurance for? will I need this too? I detail at customers house or place of work. Reason for getting insurance is also so that I can do dealerships. Any more coverage I should be looking for. My equipment is covered up to $10k

[RaskyR1]

My State Farm rep said it would be more like $250 a month with less coverage...



:(

[DetailnByDustn]

My State Farm rep said it would be more like $250 a month with less coverage...



:(



Really? What type did you get? I went with general liability




I was quoted just yesterday at $53 a month for up to $1million a year. Not bad either, but cant beat what you got. Thats liability ins, so whats garage keepers insurance for? will I need this too? I detail at customers house or place of work. Reason for getting insurance is also so that I can do dealerships. Any more coverage I should be looking for. My equipment is covered up to $10k



Really? That`s not bad at all for $53 a month.




I pay CDN $1300 a year. That`s 2.000.000 liability, 100.000 garage coverage (any customer car up to $100.000 on my property is covered), and also insurance for driving customer vehicles, since I often pick up and drop off customer cars.



I went with general liability, damage to paint, etc.. I will be making a form for liability waiver for picking up and dropping off their car.




Come on? For $36 more a year, do you need a forum to help make a decision for you? You`re getting 5 times the coverage.......:idea



True haha

[Dirt-B-Gone]

Wow! This is a quote I got a couple of days ago.



I’m attaching the two quotes I received for you. The first is with liability limits of $500,000 per occurrence and $1mil aggregate….and Garage Keepers Liability of $100,000 with $50,000 per any one vehicle. That premium is $2,429.69.



The second is with liability limits of $1mil per occurrence and $2mil aggregate…..and Garage Keepers Liability of $100,000 with $50,000 per any vehicle. That premium is $3,166.02.

[MrGBMAG]

It depends on which insurance...I have gotten different quotes from $290 total premium (1,000,000 liability) to $1933 (also 1 million). Some may quote it as Garage Keepers Liability and others as Commercial Liability Insurance