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Discussion in 'Business Fundamentals' started by Ripple, Nov 7, 2005.

  1. Ripple

    Ripple Member
    Messages: 88

    I am haveing a hard time getting plow insurance this year....I am a small business(one truck and one driver ). The rates seem to be so high I cant afford to plow. I either have to charge 10X what I am charging now or who knows what!!!

    Any suggestions on good companies that have inexpensive plow insurance for small small companies like me?
    Last year we only had like 4 plowable events!
  2. blk90s13

    blk90s13 PlowSite.com Addict
    Messages: 1,157

    yes iam in the same boat here and its very tough no one wants to insure plowing

    i am still shopping around if i find out anything will let you know
  3. gene gls

    gene gls PlowSite.com Veteran
    Messages: 481

    I use Farm Family Ins Co........
  4. SnowProGRES

    SnowProGRES Member
    Messages: 34

    Good luck, i had to go without insurance until i started a larger non-seasonal business and the tacked on commercial snow plowing to the policy.... the policy alone without a "real" (dont get excited) business was about 15k... that was four years ago when i shopped.... :cry:
  5. BayviewLawn

    BayviewLawn Member
    Messages: 67

    i got my best rate through progressive ins.
    1400 a year for one truck plowing commercially and residentially
  6. blk90s13

    blk90s13 PlowSite.com Addict
    Messages: 1,157

    thats not bad i can live with that a year

    calling them right now :bluebounc

    thank you
  7. blk90s13

    blk90s13 PlowSite.com Addict
    Messages: 1,157

    they dont do comercial in NJ yet :(
  8. LesleinLawn

    LesleinLawn Member
    from NE Ohio
    Messages: 98

    got a quote today for $638.00 a year commercial vehicle insurance
    plus $420.00 a year for the business insurance
  9. naco

    naco Member
    Messages: 49

    try auto owners
  10. Bad Luck

    Bad Luck Senior Member
    Messages: 741

    Insane. I was getting quotes in NJ for $1500 for a $1mil GL Snow Plowing Policy and $3,500 for commercial vehicle.
  11. blk90s13

    blk90s13 PlowSite.com Addict
    Messages: 1,157

    who does plowing insurance in NJ ?

    been looking around for weeks now i keep getting turned down :gunsfiring:
  12. GL&M

    GL&M Senior Member
    from PA
    Messages: 223

    Penn National Insurance.

    192.00 For 1 million general liability

    1,570.00 for Commercial Auto. (2 Trucks and Lawn Service trailer included)

    Where are you located in PA?
  13. Bad Luck

    Bad Luck Senior Member
    Messages: 741

    I forget their name, my accountant is also my insurance agent. The company is out in Arizona I think. I'll post the # tonight when I get home.
  14. blk90s13

    blk90s13 PlowSite.com Addict
    Messages: 1,157

    ever got that number ?

    thanks for your help :salute:
  15. Big Dog D

    Big Dog D PlowSite.com Addict
    Messages: 1,134

  16. NEHawaiian

    NEHawaiian Member
    from CT
    Messages: 40

    Just thought I put my 2 cents in. My insurance is National Grange Mutual. They prefer us small guys that aren't huge. My rate for 1 mil liability is $600 a year includes plowing. As far as comm vehicle insurance my reg auto ploicy will cover the rest if I don't have any signs etc on the vehicle otherwise you are looking at $1600 a year.

  17. sleepless

    sleepless Junior Member
    Messages: 28

    i live in piits pa it depends on what county you live in i pay 725.00 for 1 year 1,000,000.00 general li. 100.00 more because the claims that bin filed in my area they told me