I’m curious what people are paying monthly. I’m just doing residential for now as I’m just getting started. The cheapest quote I’ve received from Next Insurance is $218/month and doesn’t cover stolen equipment. This is for $1m coverage, including umbrella, making $40K/year. Does this sound good? Should I try local insurance companies? Thank you in advance for your help!!
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Try Erie. But you may want them to clarify, or I could be wrong but the 1M is general liability and umbrella is a separate policy. I pay for 1M per occurance GL and a 2M umbrella - two separate policies. If you’re just doing residential I wouldnt think you would need an umbrella policy.
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My first year working the premiums were through the roof… I don’t think they were that high, maybe like $120… just the nature of the beast.
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$2364 for my 1 million general liability that covers soft washing roofs up to 3 stories and over spray damage.
That is for the year but I really can only work maybe 6 months and of course I can’t get a 6 month only policy 
It’s through gaslamp insurance. If I end up doing schools or churches, I need to call them up and add additional insurance and that’s another 800 or so for the year, so I wait and see if any come my way first before blindly purchasing that.
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I just started looking last week tried a local place who said they couldn’t help me then called Allstate who said they got a quote from someone for 18,000 a year for residential and commercial 1 mill coverage no equipment or anything. I have less than one year experience but I also said I would not be doing roofs and plan on around 10,000 a year so I don’t know why such a crazy number.
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Two vehicles, PW and WC insurance, trailer and contents $500/mo through Erie
Thanks everyone for your responses…I really appreciate it! This gives me an idea as to what I should be looking for. Have a great week everyone!!
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I’m at about $1200/yr for 1mm/occurrence, with an inland marine rider that covers equipment.
