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MI insurance question

Discussion in 'Introduce Yourself to the Community' started by Diesel Dan, Nov 12, 2013.

  1. Diesel Dan

    Diesel Dan Senior Member
    Messages: 218

    I have a 3/4 ton that has full comprehensive coverage as my personal vehicle.

    I plan to plow by the hour for an established company.

    What type of additional insurance will I need to cover my snow plowing?

    Thank you
  2. v8envy

    v8envy Junior Member
    Messages: 3

    I would also like to know?
  3. snowpro44

    snowpro44 Member
    Messages: 45

    General Liabilty policy too..mines 850 a year

    REAPER 2000 Club Member
    from 60050
    Messages: 2,228


    A commercial policy. What you have now is useless if something happens while you are plowing. :bday:
  5. Triton2286

    Triton2286 Senior Member
    Messages: 654

    C'mon...should have let them keep squirming.
  6. EliteSnow&Ice

    EliteSnow&Ice Senior Member
    Messages: 129

    Not true. First inform your agent that your going to plow snow, second have them increase the liability limits to $1000000. The city snow plowing license requirements also state: Automotive Liability/Combined Single Limit $1 Million Liability Amount. I have insured 6 plow trucks and 2 salt trucks through state farm under my personal policy for 18 years and have never had a problem with a claim.
  7. snowpro44

    snowpro44 Member
    Messages: 45

    my GL ins, is 1000000, on top of my truck policy..im fully insured...im not stupid!!..that why you dont work cheap..death too the lowballers with no ins!!!..
  8. mud

    mud Senior Member
    Messages: 125

    General Liability
    Commercial Auto
    And in some cases depending on the company you are plowing for a work comp policy.
  9. Ben/Insurance

    Ben/Insurance Sponsor
    Messages: 149

    Diesel Dan, I am an independent insurance agent. Your personal auto policy will not cover any business pursuits . You must have a business or commercial auto policy to cover these plow trucks otherwise you not be covered in the event of a serious claim while you are plowing with the truck. It makes no diffference which carrier you are with. You will also need a General Liability (GL) policy which covers you after you have left the job site for trip and fall claims. Contact a local independent agent for quotes I don't practice in Michigan. Good luck.
  10. vmurray

    vmurray Junior Member
    Messages: 10

    Similar situation here in the north.... commercial coverage required for all motorized vehicles used in operations.... and getting a carrier is tough with the high potential of slip and fall claims... even with hold harmless in contract. State Farm won't touch it.

    Sucks big time because I also have Home, 2 private passenger vehicles, 1 commercial vehicle and an ATV insured with them but they won't even quote my commercial needs for snow clearing. Probably time to move all my business to a better home. Good luck!

    Last edited: Nov 15, 2013