Why ‘Cheapest Quote Wins’ Is a Terrible Strategy — Unless You Actually Know What You’re Buying
Spoiler: Sometimes we are the best price. But that’s not why people stay with us.
You’ve seen the ads:
- “Landscaping Insurance — Just $29/Month!”
- “Instant Certificate! No Hassle! No Brain Cells Required!”
It sounds great. Everyone loves a deal — especially when margins are tight.
But if you’re picking insurance like you pick lunch from a drive-thru menu — fast, cheap, and no questions asked — you could be setting your business up for a disaster.
The Problem Isn’t the Price — It’s What’s Missing
At Green Pro, we’re not against getting a good deal. In fact, we often do offer the best price — but we make sure the policy behind it actually does its job.
Here’s what those “too good to be true” quotes often don’t tell you:
- No coverage for your team (if you have employees)
- No coverage for spraying, hardscaping, tree work, or irrigation
- No tools or equipment coverage
- No workers’ comp
- And absolutely no commercial auto coverage — that’s a separate policy
Cheap Insurance = Expensive Problems
Here’s what can happen with one of those bare-bones policies:
- A fiber optic line gets sliced while trenching — not covered if your policy excludes that type of work
- Your guy mows through a glass door — might be covered, unless your classification is wrong or the policy is full of exclusions
- Your blower gets stolen — and it’s not covered at all because equipment coverage isn’t included
- You file a claim — and your budget carrier drops you at renewal without blinking
You saved $20 a month… and it just cost you thousands.
Let’s Talk Tools and Trailers
Tools? Not covered.
Trailers? Usually insured under a commercial auto policy, if they’re specifically listed.
There are rare exceptions — like trailers left at job sites for extended periods — but if you’re hauling mowers and blowers every day, don’t expect that $29 liability policy to protect them.
Bottom line? If it’s valuable and moves, it probably needs its own coverage.
It’s Like Buying a Toolbox With No Tools Inside
That bargain quote might look fine on paper, but dig deeper and you’ll find:
- Wrong classification (like janitorial instead of landscaping)
- Missing endorsements for the actual work you do
- No protection for your equipment, crew, or liabilities that matter
It’s a policy built to sell fast — not to protect your business when things go sideways.
We’ve Been in Your Work Boots
At Green Pro, we’ve wrangled zero turns, sprayed weeds, and knocked over one or two things we shouldn’t have.
We know the hustle because we’ve lived it. That’s why we don’t just toss out a quote and hope it sticks.
We ask smart questions. We build policies that actually fit. And we make sure your coverage doesn’t vanish the minute you need it.
What You Actually Want:
- A policy that covers the work you really do
- Liability limits that protect your business — even when things go sideways
- Coverage for tools, trailers, and your crew (with the right policies)
- An agent who gets the industry — not a call center rep reading a script
- A team that’s here when you need them, not when it’s convenient
So What About That $29 Ad?
We’ve seen it too.
But ask yourself: what’s missing to make it that cheap?
Spoiler: usually a lot.
Bottom Line
If your whole insurance strategy is “cheapest quote wins,” don’t be surprised when your policy doesn’t show up when it matters most.
You’ve built something real — and you deserve more than pretend protection.
Let’s get you covered the right way
Click here to get a real quote — no fairy dust, no $29 surprises