1. Welcome to PlowSite. Notice a fresh look and new features? It’s now easier to share photos and videos, find popular topics fast, and enjoy expanded user profiles. If you have any questions, click HELP at the top or bottom of any page, or send an email to help@plowsite.com. We welcome your feedback.

    Dismiss Notice

Insuring your plow

Discussion in 'Business Fundamentals' started by grandview, Oct 29, 2011.

  1. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Just a reminder to check with your insurance company that your plow is cover if anything happens to your truck. Buddy of mine had his truck touched last month and the insurance company was dicking him around because he had no coverage on it. Auto was saying it should claimed on his homeowner ,but homeowners was saving it should be covered on the auto.So just check to make sure about your plow and salters.
     
  2. CS-LAWNSERVICE

    CS-LAWNSERVICE Member
    Messages: 79

    very good point Grandview and something most people would not even think of .I know I had not giving it a thought till your post, but will be calling insurance agent monday morning to make sure
     
  3. goel

    goel PlowSite.com Addict
    Messages: 1,079

    Yes, plow on truck, covered by auto insurance.

    Plow off truck, covered by my business/equipment/tools insurance.
     
  4. shovelracer

    shovelracer Senior Member
    Messages: 525

    Ditto 12345
     
  5. wizardsr

    wizardsr PlowSite.com Addict
    Messages: 1,552

    Yep, inland marine to be exact. Whether they be stolen out of a garage, burned in a structure fire, etc., a lot can happen between storms and during the off season. I have all mine insured for replacement cost, so if something happens, a check from the insurance company and a trip to the dealer, back in action.
     
  6. Green Grass

    Green Grass PlowSite Fanatic
    Messages: 9,573

    all of my equipment over $500 has ryders to add to my insurance. Every little bit adds up fast.
     
  7. SullivanSeptic

    SullivanSeptic PlowSite Veteran
    Messages: 3,422

    I agree. Any item over $1000 is put on my inland marine. My auto WILL NOT cover the plow. My insurance guy told me straight up. Whether on the truck or not, it falls under inland marine. Same with the salters.
     
  8. Herm Witte

    Herm Witte Senior Member
    Messages: 553

    Speaking from expierience, wise advice.
     
  9. mpgall26

    mpgall26 Senior Member
    Messages: 228

    Mine just told me no, regardless of on or off and I need equipment policy for plow/spreader which is odd since my last agent and said she increased the value of the truck to cover the plow. In hindsite she was full out crap because I bet the wouldn't have covered just the plow if it got smashed. The inconsisticies make me nuts. The truth is bad enough but inconsistencies are unfair BS when something happens and my money went out the window. How much is this equip policy run? Thats 5 damn policies WTF
     
  10. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Should be under 40 a yr each or less.