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Insurance in New Jersey???

Discussion in 'Business Fundamentals' started by tjlands, Oct 31, 2011.

  1. tjlands

    tjlands Senior Member
    Messages: 579

    Anybody in New Jersey having trouble with insurance this year?
    My insurance company has changed policy on snow plowing and are not
    adding additional insured to some locations.
    This is a big deal, I cant be the only one having this issue. First time in 20 years
    They just today turned down a Lipnski certificate?? For additional issured on some Rite Aid locations.
    Anyone else work for Lipinski in NJ?
  2. Banksy

    Banksy PlowSite Veteran
    Messages: 3,113

    There was a thread about Lipinski selling or something. Could that be related?
  3. gman2310

    gman2310 Senior Member
    Messages: 171

    I have had farm family for years, never had a problem.
  4. tjlands

    tjlands Senior Member
    Messages: 579

    Gman it is Farm Family, met with them and the underwriter.
    They have a list of companies that they will not list as additional insured,
    for example,
    Rite Aid is one

    If you are small and do only residential you are fine,
    Commercial , multiple locations and contracts look out,
    I know two contractors that they just Dropped
  5. iceyman

    iceyman 2000 Club Member
    Messages: 2,925

    More snow we get the more claims they get... probably got hit to many times from the bame brand stores
  6. gman2310

    gman2310 Senior Member
    Messages: 171

    I just spoke with my rep and he said its based on the contracts from these management companies. I have a $5 mil policy as I do commercial and not residential and had no problem with mine going through. he said it was home depots and stores alike because the way concracts were written they were making contractors liable for parts they dont even plow.
  7. tjlands

    tjlands Senior Member
    Messages: 579

    Which rep do you use and how much are they getting you for adding additional insured?
    I would like to talk to you if possible, email me thru my website link, leave your number and i will call you back.(tuesday)
  8. shovelracer

    shovelracer Senior Member
    Messages: 525

    No problems here, but our carrier does suggest that we submit potential contracts for their review. I had the opportunity to switch carriers this season for an overall 10% savings. Their snowplowing policy did not seem as strong though and they had additional restrictions. To add to it, we are paying flat rate, they would have been based on sales which would have cost more if we added several accounts. Not sure why anyone would sign those funny national contracts.

    Contractor to supply and replace own toiletries. In the event contractor fails to provide adequate toiletries; contractor will be responsible for liabilities incurred with replacement of toiletries. Contractor must make available body fluid samples, company books, and all equipment upon request. Failure to follow contract terms as outlined shall result in non-payment.
  9. lilweeds

    lilweeds PlowSite.com Addict
    Messages: 1,178

    If you do landscape work try Hortica. My agent's assistant's email is Wende Rettle <WRettle@hortica-insurance.com>
  10. ppandr

    ppandr Senior Member
    Messages: 619

    I got a stipulation from Selective this year that I could not use subs for snow removal....whether or not they were insured. No longer with them...Hartford was great...flat rate significantly less than Selective for the Comm policy. inclusive.
  11. lbfmd

    lbfmd Member
    Messages: 48

    We had the same prob 2 years ago with Lipinski , spoke with the underwriter and they said it was a risk thing. They had seen too many claims coming thru Lipinski sites and hat the co was not willing to take the risk.convinced them to finally do it. Last year they said no without exception, and they had a bunch of other mgmt companies on there list they would not cover. The underwriter said it is again a risk issue and that these companies blanket hold harmless agreements no matter what specifications stated was the reason. Basically they seem them as to much of a risk for the money they can potentially collect on premiums.
  12. Hortica here in PA....tooo... no problems switched trucks and Liablity...saved thousands,,
  13. tjlands

    tjlands Senior Member
    Messages: 579

    they wouldnt /wont cover snow plowing in NJ.
    Tried them
  14. nicksplowing

    nicksplowing PlowSite.com Addict
    Messages: 1,226

    rite-aids here in philadelphia are a haven for law suits ..... stay away !!!!!!
  15. lilweeds

    lilweeds PlowSite.com Addict
    Messages: 1,178

    You sure about that?
  16. tjlands

    tjlands Senior Member
    Messages: 579

    I am pretty sure but will call my broker Monday
  17. lilweeds

    lilweeds PlowSite.com Addict
    Messages: 1,178

    Try contacting Wende directly.
  18. tjlands

    tjlands Senior Member
    Messages: 579

    waiting to hear back from them, I will let you know
  19. tjlands

    tjlands Senior Member
    Messages: 579

    Spoke to Hortica, yes they will write a policy in NJ as long as it is less than 20%
    of your gross for the year, which for me is not good, they do have many of the same restrictions that
    Farm Family and selective have.

    Funny thing, or maybe important tidbit,
    Every Insurance company that I have spoken to has mentioned the national companies
    and their contracts as the culprits for higher pricing and restrictions.
    Most have lists of NSP's that they will not list as additional insured and some will down right turn coverage down for some locations.

    Its only going to get worse
  20. Angel

    Angel Junior Member
    Messages: 13

    I am having the same problem with Farm Family. They are requiring to see every contract prior to issuing a certificate and they flat out said no to Brickman due to the Indemnity clause in the subcontractor agreement. The underwriter said that basically it meant that if someone fell over a garbage can on the property that we could be sued first. I went back and tried to change the wording to be more insurance friendly but Brickman wouldn't budge. Lost a big seasonal as a result. They will only renew last year's big company certs, not issue new ones. I wouldn't be so aggravated if they had issued a statement in August about the new policy. We have wasted a lot of time doing bids for nothing. Hopefully Brickman and Lipinski (who I would never work with again--they still owe me 8G from 2010!) will get stuck with no one to cover them and realize that unless they plan to hire all the snow plow operators themselves they will need to rethink their indemnity clause.