Insurance

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  • October 14, 2007 at 1:38 am #143878
    CJones
    Participant

    I have asked this before with little or no response, but let me try again. Just curious on the insurance front – can I ask you to share how much your deductables are for property damage and other coverages you may suggest after being in business for awhile? I am currently insured through Lockton with Hartford as the carrier. I have some sort of “janitorial stretch” added which also covers my equipment. Those who have been in business for awhile, do you have any suggestions? Riders, carriers, extra coverage, etc.?

    October 14, 2007 at 2:14 pm #150792
    HB2003
    Participant

    Jeff,

    I have had my business for 1.5 yrs now and it is in South Carolina. I carry $1m each occurrence with $2m aggregate liability. I also have $10,000 property for my equipment. My carrier is Nationwide (one of the few that would take on a new business), my premiums are $177 a quarter, with a deductible of $500. After my 2 yr mark, I may shop around again to compare rates.

    Dan

    October 14, 2007 at 4:44 pm #150793
    Larry young
    Participant

    I have the same coverage and pay 144.75 quarter through safeco

    October 14, 2007 at 4:45 pm #150794
    Larry young
    Participant

    I bought an existing area to so that may be why I have cheaper ins.

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