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NYS Insurance?

Discussion in 'Business Fundamentals' started by AFSPLOWING, Oct 28, 2013.

  1. AFSPLOWING

    AFSPLOWING Member
    Messages: 62

    I called my Insurance guy located in NJ He told me that a policy would run anywhere from 1750-2650 for 1 truck depending on Commercial or residential among other factors.Is this average? Does Anyone have an insurance guy i can contact?Thanks
     
  2. AFSPLOWING

    AFSPLOWING Member
    Messages: 62

    Also No Financing must be paid in full.
     
  3. Dogplow Dodge

    Dogplow Dodge 2000 Club Member
    from NJ
    Messages: 2,904

    That's what I'm paying for 2013. $1700. Just emailed my broker and told her that I would like to find out what I'll be paying come renewal in January, and whether or not that she would be able to shop me around.

    Since 2012, I paid 1300, and with no claims went up $400 a year later, we can only guess what will be next year's pricing.

    You won't find it available any other way in NJ, from what I understand, as too many contractors canceled their policies mid term, and the ins. companies don't want to rebate unused time any longer. They call the policies "fully earned".
     
  4. AFSPLOWING

    AFSPLOWING Member
    Messages: 62

    That's what he told me,last year they were around 1300 its only a 6 month premium.
     
  5. Dogplow Dodge

    Dogplow Dodge 2000 Club Member
    from NJ
    Messages: 2,904

    Giver her a call and see what she can do for you.... if anything...

    She might be only able to sell NJ, but it's worth a shot.

    BIP insurance

    Jamie Naurath
    Office: 609-268-2302 x105
    Cell: 609-760-0495
    Fax: 609-268-2120
    jnaurath@bipinsurance.com
     
  6. AFSPLOWING

    AFSPLOWING Member
    Messages: 62

    I will Tomorrow Thanks!
     
  7. Triton2286

    Triton2286 Senior Member
    Messages: 654

    I'm using Merchants Ins. $2500 for the year, pay monthly and I'm 22.
     
  8. AFSPLOWING

    AFSPLOWING Member
    Messages: 62

    I hear ya.I will just keep shopping around
     
  9. Ben/Insurance

    Ben/Insurance Sponsor
    Messages: 156

    Merchants is the way to go in my opinion. Great co, great claim service, good, stable rates and they will give you a nice billing plan. I am an agent for them for over 10 years and really like them.
    Ben/Insurance
     
  10. Triton2286

    Triton2286 Senior Member
    Messages: 654

    Ben, you don't work for USI do you?
     
  11. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Try here.

    Karen P. Fial, ACSR

    Client Service Adviser - Business Insurance



    M&T Insurance Agency Inc

    285 Delaware Ave Suite #4000 | Buffalo, NY 14202 | Office 716 651-4212| Fax 716 651-4290 | Toll Free 800 716-8314 | kfial@mandtinsurance.com
     
  12. KIVALO

    KIVALO Member
    from Uhh NO!
    Messages: 31

    Are these auto policies or business policies your speaking of?
     
  13. risin187

    risin187 Member
    Messages: 57

    M&t Karen fial

    GV gave the info, All of our business ins ,workers comp,auto are with Karen at M&T insurance Buffalo,ny, she's great in all areas of business ins.
     
  14. jklawn&Plow

    jklawn&Plow Senior Member
    Messages: 469

    If you are the only one driving the truck and clean record, State Farm has a 1mil liability policy that can run you around 900-$1200 depending on the age of the vehicle.
     
  15. MSsnowplowing

    MSsnowplowing Senior Member
    Messages: 709

    the only problem with state farm is they don't like you doing commercial lots. Resindence only.
    I was going with them till the underwriters found out I did commercial with more than 6 parking spots and I got dropped.

    Their regular insurance for a plow truck is very good and so is their home owners insurance for the house.

    The best GL liablity insurance I found was at GLquote.com

    You get a payment schedule, I paid $300 down and $88 a month.

    To get a certificate of insurance you just go online and put the information in and they will email it directly to you and your client within one hour of normal business hours.
     
  16. countrysidelll

    countrysidelll Junior Member
    from NY
    Messages: 4

    if you're looking for a Gl, im in upstate NY. Paying 927/year for 1mil in lawn mowing and snow plowing. Even have a really good commercial auto coverage for cheap as well.
     
  17. AFSPLOWING

    AFSPLOWING Member
    Messages: 62

    Who do you use?Thanks
     
  18. MajorDave

    MajorDave Senior Member
    Messages: 943

    Did he ever reply?? PM you maybe?
     
  19. MajorDave

    MajorDave Senior Member
    Messages: 943

    MS - who do you go through for the Commercial/Business Truck?
     
  20. countrysidelll

    countrysidelll Junior Member
    from NY
    Messages: 4

    Sorry, didnt see this. I use dryden mutual. I'm a smaller guy though. 1 truck. no employees if that makes any difference