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Commercial Plates and Insurance in Ohio

Discussion in 'Starting a Lawn Care Business' started by TNLC owners, Sep 30, 2006.

  1. TNLC owners

    TNLC owners LawnSite Member
    Posts: 41

    I need to get my license plates renewed on my truck in the next week or two. I don't currently have commercial plates and in all honesty, don't know if I need them or not. I have a Ram 1500 and a single axle 6x12 trailer. There is no lettering on either one. I would appreciate any info anyone could give me on this topic.

    If I have commercial plates, what would this do to my truck insurance? I know I need to talk to my agent but I would like to have a little bit or information before I call. Thanks for the help!
  2. BMFL79

    BMFL79 LawnSite Member
    Posts: 58

    By state law, if you are using your vehicle to make money, you need to have commercial plates. That is, if you want to be completely legit with your business. It doesn't matter if you have lettering on the truck or not. I don't have a sign, and I have comm. plates.
    I am in Columbus and the Northern Suburbs. I have a Ram 2500 with comm. plates. The DMV charges by gross vehicle weight, so they will ask that when you go. I don't know exactly how they figure it, but my Ram 2500 has a GVW of 8800#, and the tag is for 10K#.
    The trailer will need to be tagged commercial as well. I have two trailers with GVWs of 7500# and the tags are $82 or $83 for them.

    Insurance is another deal. It all depends on how much coverage you get. I don't remember exactly how much I carry, but it is a lot (couple of million in liability and property, which is required by the company I sub for when plowing) and I pay just under 2K a year.

    Hope that helps.
  3. TNLC owners

    TNLC owners LawnSite Member
    Posts: 41

    Thanks BMFL,

    That information does help. I have been looking around online at the DMV website and found the GVW ratings and such. It looks like just about an additional $50 for the commercial plates, so I think that's the way I will go for the truck and trailer.

    Thanks Again!

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