NJ Snow Plow Insurance Doubled?

Discussion in 'Business Operations' started by 4-Seasons, Jan 5, 2013.

  1. 4-Seasons

    4-Seasons LawnSite Member
    from NJ
    Posts: 63

    My seperate policy for plowing has doubled since last year. Whats going on?
     
  2. jc1

    jc1 LawnSite Bronze Member
    Posts: 1,594

    Ours is up also. Most likely related to costs form bs law suits from the last two bad winters.
     
  3. Guzzo856

    Guzzo856 LawnSite Senior Member
    Posts: 295

    Mine went up 70% , with no change
    Posted via Mobile Device
     
  4. Pietro

    Pietro LawnSite Senior Member
    Posts: 857

    Contact njm insurance. I. Added my plow to my commercial auto and they consider it part of the truck. Damage done by the truck is covered. I dropped my general liability on the plowing.
    Posted via Mobile Device
     
  5. jc1

    jc1 LawnSite Bronze Member
    Posts: 1,594

    It's not damage to or by the plow that's the problem. It's the liability if someone slips and falls. So in effect you have no insurance for the work you perform.
     
  6. 4-Seasons

    4-Seasons LawnSite Member
    from NJ
    Posts: 63

    So basically your uninsured?
     
  7. McFarland_Lawn_Care

    McFarland_Lawn_Care LawnSite Bronze Member
    Posts: 1,387

    How big is your snow operations? Mine went up as well, but only because their minimum snow policy price increased. It sucks when I have never had any claims, but that's business. Nothing you can do, pass it on to the clients.

    Jason
     

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