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Discussion in 'Introduce Yourself to the Community' started by RYDER, Sep 24, 2005.

  1. RYDER

    RYDER Senior Member
    Messages: 281

    New to biz, do I need any other ins besides laiability for plowing park lots? I live in thr Grand Ripids, MI
  2. fulltiltwill

    fulltiltwill Senior Member
    Messages: 204

    If you are going to do alot of commercial work you might want to carry at least a one million limit on your policy, and look into a baloon policy as well. People are sue crazy these days. :cry:
  3. Mick

    Mick PlowSite.com Veteran
    from Maine
    Messages: 5,546

    You will need two types of insurance - Commercial Vehicle which covers your truck (your regular type vehicle insurance will not cover plowing unless specifically indicated on the policy) and General Liability which specfies snowplowing as a covered activity. While a balloon policy is often a good idea, I'd discuss it with your insurance agent first, to decide if it's for you. Remember that parking lots may seem rather simple, but there is a lot of exposure to potential for liability.
  4. Snow-B-Gone

    Snow-B-Gone Junior Member
    from Maine
    Messages: 14

    I've been plowing here in Maine for 11 years (part-time). Afew years ago I went with commercial insurance. The next year my agent called at renewal and said if I had no more than 10 accounts I would be covered on my regular policy.

    After finding this site a couple of weeks ago, I stopped in again and confessed I had between 16-18 with one commercial. He said that unless the commercial account asked for proof of a certain amount of $$$ insurance my policy would cover me.

    I've bumped a building and dented my truck a couple of times........but haven't involved my insurance company. I've had to reset a mailbox post and take the dents out of a vinyl siding corner myself.
  5. Mick

    Mick PlowSite.com Veteran
    from Maine
    Messages: 5,546

    There's still no provision for liability in case of injury not involving the truck, though.
    Last edited: Sep 26, 2005