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Need Insurance info for plowing about 10 driveways

Discussion in 'Residential Snow Removal' started by dss56, Oct 28, 2011.

  1. dss56

    dss56 Senior Member
    Messages: 118

    If I do any driveways other than my own would it be considered comercial?

    Also what does a coverage policy cost for snow plowing other than your own driveway.
    I was just quoted about $1000.00 for a policy General Liability

    Live in Boston area what might be the best price and coverage. Company name.

    $1K for policy does a # on the profits!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1
  2. fast*st

    fast*st Junior Member
    Messages: 29

    Not like its going to snow before December *choke*
  3. Turnpike

    Turnpike Junior Member
    from Vermont
    Messages: 6

    A couple of years ago I was asked to fill out my insurance coverage update form. I had a tractor for which I would be willing to use to help out about 10-15 people clear snow banks only during large storms. I put this on the formadn my insurance jumped from $500 to $1000 per year. It was not worth it so I called them to advise I was not plowing snow and it was dropped back to $500. My primary course of business was general property maintenance (mostly lawns).

    Insurance and a few other fees really make it hard on the small (read that as small as in helping friends/neighbors) business guy. You almost have to go medium business to cover the overhead and make a reasonable profit.

  4. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    To the OP don't forget if you plow for money you need to change over your truck insurance to a commercial policy because personal won't cover it.

    Turnpike,if you can't even afford insurance to protect yourself your not charging enough for your work.

    Messages: 79

    My commercial insurance is actually cheaper then my personal truck insurance.

    when my personal policy expires all my trucks are going business :)
  6. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    If its with the same company ,switch it now. As I said you hit something while plowing they won't cover it.

    Messages: 79

    My plow and work trucks are insured with commercial its my personal trucks I am going to switch to the business to get cheaper insurance at the end of there policy
  8. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    OK,I thought you were plowing with the one truck.