They told you. Show me in writing that you can plow for money and not have insurance. Yes you can have a plow on your truck for personal use or if your plowing out your own business.Residential snow plowing is a business.
Tangent:
I've recently acquired and installed a Snowbear on my truck. I will not be doing any commercial plowing, nor will it ever leave my yard (except a few feet of road in front of my yard while plowing my own driveway only, and maybe if a family member is in a jam). I live in RI and have Geico insurance. Do I need to notify them that I have it, that its mounts are bolted to my truck, and that I will not be plowing anybody else's property? If I was involved in a crash (perhaps one where the mount caused some damage that might not have happened without it), would they weasel out of covering it by claiming that I violated my contract by having a plow?
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Past: 8.5' Diamond on 12' stake body dump 15,000lb upgraded F350, for state highways...and lack of experience.
Present: Snowbear on 2002 GMC 1500 and ancient Ariens, for personal use only.
Well I dont about that insurance ****..... Ive been plowing house for five years now and never needed commercial or contractors insurance.....let alone claim it on my taxes.....anything of 600 in ny then u do have to claim it......and in ny if ur truck is insured anything attached to it is insured as well....
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Originally Posted by grandview
Only if you have inland marine insurance. Tell your insurance your plowing for money and get in a accident and see what happens.
You by definition are a lowballer.
Not if he's charging the same rates as a legitimate business
Quote:
Originally Posted by theholycow
Tangent:
I've recently acquired and installed a Snowbear on my truck. I will not be doing any commercial plowing, nor will it ever leave my yard (except a few feet of road in front of my yard while plowing my own driveway only, and maybe if a family member is in a jam). I live in RI and have Geico insurance. Do I need to notify them that I have it, that its mounts are bolted to my truck, and that I will not be plowing anybody else's property? If I was involved in a crash (perhaps one where the mount caused some damage that might not have happened without it), would they weasel out of covering it by claiming that I violated my contract by having a plow?
If you want coverage for theft and damage you need to have the plow listed. You need to talk to your agent about if you need to list it on both homeowners and automotive.
If you want coverage for theft and damage you need to have the plow listed. You need to talk to your agent about if you need to list it on both homeowners and automotive.
Sorry, I should have been more clear...I'm not looking to cover the plow, just to preserve the same coverage I've always had for my truck.
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Past: 8.5' Diamond on 12' stake body dump 15,000lb upgraded F350, for state highways...and lack of experience.
Present: Snowbear on 2002 GMC 1500 and ancient Ariens, for personal use only.
So for the plowing season you will make only 600.00?
Am I supposed to make more than that in one season?? I thought at 5 bucks a plow, that was doing pretty good. Guess I will have to raise my rates by a couple bucks next year
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7.3L Power Stroke Diesel
short box
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2003 Tahoe
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Timbrens up front
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Sorry, I should have been more clear...I'm not looking to cover the plow, just to preserve the same coverage I've always had for my truck.
I'd talk to my insurance agent. I do not believe the mount alone will eliminate your coverage in that situation. No different than installing a front (or rear) trailer hitch but again I'd strongly advise you discuss this with your insurance agent and not carry your plow on public roadways.
"Been doing it for five years now...." What does that have to do with anything? So if you rob banks for five years that makes it ok. Bottom line your a business pay your taxes and get insured, and don't give me the 600 bucks crap it doesn't fly here
We should take up a collection just for him to plow his truck through a garage door and have him submit to the insurance company to see if they will pay the claim.
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Snow is a little like religion and a lot like sex,you never know when your going to get it next!
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