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Discussion in 'Business Fundamentals' started by Plow More, Aug 2, 2011.

  1. Plow More

    Plow More Senior Member
    Messages: 172

    I just did some searching and wasnt able to come up with a whole lot for insurance to cover our a$$es while plowing. Unless I missed a grand thread somewhere I figure we might as well spill our guts and go from there. I dont know much about what I need or what its going to cost me, I am looking for a plow on my super duty and a motor grader for plowing HOA's and probably some parking lots and businesses. This will be my first year plowing on this scale or with a truck or grader so take it easy on me. :eek:
  2. chs1993

    chs1993 Senior Member
    Messages: 297

    Theres alot of threads on this topic but you'll need
    1. Commercial Auto Insurance
    2. General Liability
    3. Workers Comp Insurance
    4. State Licensing

    Depends on your state
  3. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Call a insurance broker and not a single insurance company.The broker will be able to shop around for you.
  4. basher

    basher PlowSite Fanatic
    from 19707
    Messages: 8,993

    Are you already in business? do you already have commercial insurance. If so talk to you agent about adding it to your existing policy.
  5. Hoss4x4

    Hoss4x4 Member
    from FL
    Messages: 34

    The problem I am having is getting a quote before going into business.
  6. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Why? Should only take a couple of days to get a quote.
  7. EPM

    EPM Member
    Messages: 94

    How are you submitting proposals with out the slightest clue as to what your insurance rate will be? Rather difficult to calculate your hourly rate with a chunk of your operating cost missing... I'm not trying to be rude, I'm just saying.
  8. mpgall26

    mpgall26 Senior Member
    Messages: 228

    Tell your agent you want to change to a commercial policy for plowing and get new plates. They'll be glad to calculate the costs. Dont forget separate general liability and umbrella policy for those contracts.
  9. EPM

    EPM Member
    Messages: 94

    Wow, I appoligise. I some how miss read your post eirlier. I thought you were submitting proposals before checking on a policy. My bad.
    That said, a good insurence agent should be able to fudge some things like your EIN # and such to provide you with a quote so you will atleast have a ball park. Explain your situation to them. Most, now a days will bend over backward for your business.
    Welcome to the snow bizz.