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snow plow insurance

Discussion in 'Business Fundamentals' started by toddon22, Feb 6, 2010.

  1. toddon22

    toddon22 Member
    Messages: 71

    does anybody know what snow plow insurance might go for in the eastern long island area? im having trouble finding someone who will give me answers
  2. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    All depends on your area and revenue ,credit rating and a few other things.You need to find a insurance broker so he can shop snowplowing rates.Do you do landscaping to ? To get just snowplowing insurance is very expensive,
  3. toddon22

    toddon22 Member
    Messages: 71

    no i don't do landscaping, i was told from a landscaper that it is very expensive to have the insurance. why does being a landscaper help with the insurance costs?
  4. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    You spread the risk of your business through the whole year.
  5. nymustang50

    nymustang50 Senior Member
    Messages: 129

    If you find someone let me know.. I'm in the same boat with you and all I do/wanna do is the snowplowing I'm not in it for the landscaping..
  6. bluerage94

    bluerage94 Senior Member
    Messages: 398

    I had an Artisan policy with Utica First Ins. but they are not longer providing coverage effective this spring...I am shopping and will pass along any info that I get.
  7. big acres

    big acres Senior Member
    Messages: 653

    Like GV says, snow removal has a higher "experience" rating (statistical probability of claims being filed) than landscaping... so adding a less risky service pulls the rating down.
  8. aperfcrcle

    aperfcrcle Senior Member
    Messages: 343

    hey guys, I am shopping for my policy as well.. I can get a really good deal for lawn care through Utica First but like you said, they are not writing anymore snow removal coverage as of now. My allstate agent said Travelers insurance covers it but they are quoting me an arm an a leg... Did anyone have any luck finding a company? I got some bids coming through that are looking promising already so I need to get insurance! haha Let me know whats up!
  9. bluerage94

    bluerage94 Senior Member
    Messages: 398

    figure about $1500-$2000/yr
  10. aperfcrcle

    aperfcrcle Senior Member
    Messages: 343

    that is fine with me.. Travelers wanted upwards of $5500 a year just for snow removal... what a joke... What company did you get that quote from? I have Allstate like I said working to get me a quote so I will keep you guys posted.
  11. bterry

    bterry Senior Member
    Messages: 183

    Try Farm Family Casualty, they have offices on Long Island in Aquebogue, Calverton, East Quogue, Holbrook, Islip Terrace, Miller Place, and Shoreham.

    That's where my $2M snow only and Commercial Vehicle policies come from.

  12. bluerage94

    bluerage94 Senior Member
    Messages: 398

    There are a couple of different companies that are around...depends if your doing mostly residential or commercial. Snowplowing alone is expensive when you tie it in with landscaping it gets a little cheaper. Call brian at farm family in Islip Terrace.
  13. wizardsr

    wizardsr PlowSite.com Addict
    Messages: 1,541

    Not sure if you have American Family out that way, but that's who we have and they're quite reasonable. We carry 4mil and out GL portion is under $1k/yr.
  14. aperfcrcle

    aperfcrcle Senior Member
    Messages: 343

    well Farm Family was a bust, were not very nice either. They want minimum 3 years proof of insurance from another agency to even consider putting a quote together for you. I called State Farm in St James and they are extremely nice.. Got a great package for everything and it the price is right where i wanted it to be. If any of you are still looking, give state farm a go. Now, back to bid sheets and praying for a good winter!
  15. bterry

    bterry Senior Member
    Messages: 183

    Sorry for the bum lead - I had good luck with them so far. What's ironic is that State Farm told me I needed 3 years prior to them quoting me when I found Farm Family. Good luck to you, glad you found something that'll work.
  16. aperfcrcle

    aperfcrcle Senior Member
    Messages: 343

    haha really? That's really strange. It probably all depends on the agent you get I guess... I know my agent from allstate is horrible and she screwed my whole policy up back when I was doing Drywall and Painting. Boy am I glad I am out of that trade...:gunsfiring:
  17. bsmitty

    bsmitty Member
    from Chicago
    Messages: 47


    Very first post and I just found this great website that is full of good info. I am in the Chicago area and I have been plowing for several years basically on the side and have always worked on a cash basis. I am now starting a legitimate business and am looking for business insurance from someone in the area that is reputable and won't rake me over the coals for the insurance. If anyone can help with some referrals that would be great.

  18. bluerage94

    bluerage94 Senior Member
    Messages: 398

    Just be careful and make sure they quote you correctly... State Farm is my primary insurance on my vehicles and property but they wouldn't write me a G.L. policy due tous doing commercial accounts over 10 parking spaces.
  19. Mike Nelson

    Mike Nelson Senior Member
    Messages: 637

    Hello All,

    Try these guys, they were at the SIMA Symposium

    Hortica Insurance & Employee Benefits
    1 Horticultural Ln PO Box 428 Edwardsville, IL 62025
    800-233-3642 fax
  20. Green Grass

    Green Grass PlowSite Fanatic
    Messages: 9,568

    you must not have commercial Auto on that also.