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Insurance inquiry

Discussion in 'Introduce Yourself to the Community' started by joeybagadonutzz, Nov 22, 2011.

  1. joeybagadonutzz

    joeybagadonutzz Junior Member
    Messages: 15

    Can someone tell me exactly what kind of insurance I would need other thanbusiness insurance.

    I would appreciate it
     
  2. maverjohn

    maverjohn Senior Member
    Messages: 902

    Will your business insurance cover you behind the wheel of your plow truck? If not you will need a commercial auto insurance to cover that.
     
  3. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Basicly start with commercial auto ,GL and inland marine for your equipment.
     
  4. joeybagadonutzz

    joeybagadonutzz Junior Member
    Messages: 15

    I am covered for 2 million with my busness insurance, Yet I also have seperate auto insurance, so if I were to get ino an accient while working in my normal general contrating business it would go under my auto policy. Does having a plow on the front require extra insurance?
     
  5. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Need a snowplowing endorsement
     
  6. maverjohn

    maverjohn Senior Member
    Messages: 902

    DIDO :salute:
     
  7. joeybagadonutzz

    joeybagadonutzz Junior Member
    Messages: 15


    Thanks.....
     
  8. billyyy42

    billyyy42 Junior Member
    Messages: 4

    Insurance answer

    When I see you guys talk about insurance on this site, so many of you are completely uninformed. I'll just keep it to NY because that's all I know. If you have a commercial auto policy and they say they cover for snowplowing they mean physical damage that you cause to property if you hit something with your plow. That is not trip and fall coverage. I would venture to say that most of you don't have that coverage. It's expense. Check your policies yourself and if you're still unsure call the insurance company direct and ask. Many brokers and agents are unsure.
     
  9. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Correct. you need a snowplowing endorsement on your commercial auto insurance.
     
  10. JTVLandscaping

    JTVLandscaping Senior Member
    Messages: 860

    I've never heard of a snowplow endorsement...I just told my company when I started that I needed commercial auto for plowing. So "endorsement" must just be insurance terminology. But the auto policy is very important since really your most frequent risk is hitting something. And this day and age, I'd want a good GL policy for a paper route.
     
  11. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    your policy should have written right on there"snowplowing" .If not,get a letter of confirmation
     
  12. superdog1

    superdog1 Senior Member
    Messages: 256

    I agree with you 100%

    Yeppers!!!!

    Since I am only licensed in PA, I am not 100% sure about NY? Most insurance CO's follow ISO (Google it, LOl) form policies though, so if you have a snow plowing endorsement on your commercial GL policy, it SHOULD cover and slip and fall issues under the "products and completed operations" coverage that is included on almost every commercial GL policy I have seen.

    Here again, you need to ask your agent if this is an issue? In most cases, there will be language within the policy itself describing what it will and will NOT cover and you should be able to read it and find out.

    Where it gets tricky is when you only have a commercial auto policy and no GL to go with it. This can happen when people only have a single truck that they drive every day and they put a plow on it and try to make a few $$ when it snows. Some CO's like Progressive will write a policy that the insurance industry calls a "Stand alone commercial auto policy" and all it really does is covers damage that you do with your plow, just like billyyy42 mentioned. It offers NO coverage for anything that happens after you leave the premises.

    If you buy this coverage and think you are good to go, you may be in for a BIG surprise!

    I would agree that some people here do not have it. An easy way to figure out if you do or do not is to look at it this way:

    If you have a legitimate business like a landscaper, carpenter, excavator etc. that has a GL policy AND a commercial auto policy and you told your agent about the snow removal side of your business? you will have products and completed operations and slip and fall should be covered, especially IF the snow removal coverage is an endorsement that is added to your GL policy. If the snow removal coverage was just added to your commercial auto policy and/or the only commercial coverage you have is auto, you may have a serious problem.

    Here again, READ your policy and ask your agent what the deal is. There are a LOT of agents that only write 2 or 3 commercial policies a year and their main business is personal auto and homeowners. This is NOT the person you want handling your commercial policies. I am sure that none of you would allow your family Dr to perform open heart surgery? While he/she IS a Dr and may be able to struggle through it, I doubt the outcome would be good?

    If I could give you just one piece of good advice when it comes to insurance, it would be that you find a larger independent agency. Call them and ask to speak to their commercial lines specialist. If they say "We don't have one?" hang up and call the next one, Lol. Even your family Dr will refer you to a specialist when you have any kind of major health issue, Lawyers are the same way. A lot of agents won't do this. If they do, they loose $$. Don't be afraid to ask the agent you are working with how many years they have been selling commercial policies. Ask them how many other plowing operators they have insured. Take notes and write down their answers. I would even put the date and time on it. You want to do this because if the crap hits the fan a year from now and something isn't covered when the agent said it was, you will have the proof of what you were told when the policy was written. In most states, the insurance depts. are very pro-consumer. If you have written proof of what was said, you will have the upper hand and the agents E&O (errors and omissions-just like malpractice for Dr's) will have to pay for it- NOT YOU!

    Your entire life and everything you have ever worked for are hanging by a thread here, so why would you take a chance?:confused:
     
  13. billyyy42

    billyyy42 Junior Member
    Messages: 4

    Exactly right

    Superdog, you hit the nail on the head. I just didn't want to type out that much. I'm an agent in NY. I do alot of these. Trip and fall is expensive. If your policy isn't "Expensive" you probably don't have the coverage. If you plow for a municipality they may not require it. If you're plowing out gas stations and such you better have it. Just my 2 cents. If you have a question you need answered, shoot me an email. Bill@specializedinsurance.com.