Originally Posted by enosez
So be it.....
If I need commercial insurance then that's what I'll get.
This whole experience has been a learning experience for me, thus the reason for posting.
There is just so many "other" things that could go wrong that isn't necessarily tied to a general truck policy.
a.) Even if you aren't using your plow and just shoveling snow, or even using a snow blower you have risk. You could catch a rock and hit someone, break a window on a car, break house windows, and so. You would need to have business GL to cover those costs.
b.) Your plowing snow and you hit a gas meter next to a house that was buried in a snow bank. (has almost happened to me a couple of times.) That's a nasty bill you would want insurance to cover.
c.) Somebody gets behind your truck during a snow storm for a little "pay day". Either on foot or in a car.
d.) Or, let's just take the extreme circumstance. Your plowing a commercial lot, you have a seizure and loose control and run into a building, causing a fire, and burning the place down causing massive damage.
Not only are you protecting yourself, but you are protecting your clients.