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Looking For insurance for municipal plowing in Pa???

Discussion in 'Business Fundamentals' started by Plowtruckaddict, Aug 12, 2016.

  1. Plowtruckaddict

    Plowtruckaddict Junior Member
    Messages: 3

    Does anyone in Pa know of any insurance company the covers you for municipal road plowing? I'm hitting a dead end everywhere I turn. I got a verbal quote from two companies saying $10,000 a year. Is this normal for GL coverage??? Any help guys???
     
  2. Randall Ave

    Randall Ave 2000 Club Member
    Messages: 2,049

    Doing roads can be tough insurance wise. How many trucks, what size trucks? There is a guy here, Ben's insurance. PM him, seems to know the answers.
     
  3. Plowtruckaddict

    Plowtruckaddict Junior Member
    Messages: 3

    I have two trucks looking to get a 3rd. One F550 and the other is a F650. I am looking to get a Ford L9000.
     
  4. Randall Ave

    Randall Ave 2000 Club Member
    Messages: 2,049

    Talk to other people doing the same work, see what they pay. I don't think your going to get it much cheaper. We're you awarded a contract?
     
  5. Ben/Insurance

    Ben/Insurance Sponsor
    Messages: 156

    Getting a GL policy to cover public roads is very tough. Here's why. If you plow a road and there is a minor/major car accident and the snow/ice had anything to do with the accident, guess who is being pulled into that lawsuit....the guy who plowed (&/or salted) it. A huge exposure to a claim and the insurance co that provides the insurance has to charge for it. Perhaps the municipality will pick up the liability exposure as part of your contract with them? Most of our clients do it this way. If they will, make sure that it's clearly spelled out in your contract. Good luck. Ben/Insurance
     
  6. Plowtruckaddict

    Plowtruckaddict Junior Member
    Messages: 3

    Thanks so much for this advise. I'll give the municipality a call. Thank you so much for your time.
     
  7. Randall Ave

    Randall Ave 2000 Club Member
    Messages: 2,049

    When I was doing roads for the town, they were an additional insured on my policy. Most towns do not want to accept any liability. But remember, I'm in Jersey. I also had to have workmans comp on everyone.