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Hate to beat this like a dead horse !!

Discussion in 'Business Fundamentals' started by Eyesell, Nov 5, 2008.

  1. Eyesell

    Eyesell 2000 Club Member
    Messages: 2,101

    INSURANCE.....:blush2: now don't close the thread.....:eek:

    Here's my predicament, does anyone know of a good insurance co. that will write me a decent policy even though I'm not doing landscaping. I'm having a hard time finding a source when all they ask is, is this a landscaping business also.

    As soon as I say no, they will not put coverage on my personal truck plowing commercial lots. The guy I'm partnering up with will have liability for him and is looking into extended coverage for his sub-contractors ( for slip and fall stuff ) but my ins co now is not very corporative.

    Again, thanks for the help and suggestions fellow plowers :salute:
     
  2. 042500hd

    042500hd Senior Member
    Messages: 251

    Three years ago I had the same problem. My agent simply told the underwriter I was starting out in the winter and had no idea what spring and summer would bring. They wrote me a landscaping policy with a snowplowing rider. It was never discussed again after that.
     
  3. bltp203

    bltp203 Senior Member
    Messages: 484

    Went through the same thing.............I finally said "yes", I mow lawns. So I added my tractor and weed whipper and got a policy at a great price.
     
  4. LoneCowboy

    LoneCowboy PlowSite.com Addict
    Messages: 1,760

    Find an independent agent.

    I have two (actually 3) separate policies.

    My general business liability

    My snow plowing liability

    my commercial truck liability/comp/collision.

    All from different companies.

    shouldn't be that hard.
     
  5. plownoob

    plownoob Senior Member
    from ny
    Messages: 128

    I got a quote from main street. Snow removal only was $7k. Snow and landscaping was $3.2k. No brainer.
     
  6. EliteSnow&Ice

    EliteSnow&Ice Senior Member
    Messages: 129

    I got dropped a few years back from State Farm. They had no problem with putting snow plowing on my trucks, but my Lib. insurance was a diffrent game. I went to Buiten and Assoc. an indeprndant agent out of G.R. Michigan. No problems there and the rates where better.
     
  7. Eyesell

    Eyesell 2000 Club Member
    Messages: 2,101

    Good info, thank you !!
     
  8. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Try putting your truck under a commercial policy .
     
  9. Superior L & L

    Superior L & L PlowSite Veteran
    from MI
    Messages: 3,039

    Its always good to shop your insurance every couple of years. When your really small sometimes its hard to find a good deal. As you get bigger it seams like the agents are calling and knocking on your door to quote your policy
     
  10. RepoMan207

    RepoMan207 PlowSite Fanatic
    from Maine
    Messages: 5,033

    I got mine through progresive commercial.
     
  11. terrapro

    terrapro PlowSite Veteran
    from MI
    Messages: 3,874

    i am very confident in my insurance company but i think its my agent more than anything. its a good price too. the company is hastings mutual, i think its out of Ohio but my agency is in hartland. hastings mutual is the place in hartland.
     
  12. qualitylawncare

    qualitylawncare Senior Member
    Messages: 501

    National Grange Mutual out of Keene, NH

    They are all inclusive. Have our comm. liability, autos, equipment, workers comp, and so on. Great to work with.
     
  13. d70stang

    d70stang Junior Member
    Messages: 28

    I had the same problem. I got my commercial policy through progressive. They just wrote it for 6 months and then will write a non commercial for the summer 6 months. I think mine was about 600 for six months...little less than half that during summertime. Hope that helps.
     
  14. Eyesell

    Eyesell 2000 Club Member
    Messages: 2,101

    This is good to know, thanks again for the responses !!