1. Missed the live Ask the Expert event?
    Catch up on the conversation about fertilization strategies for success with the experts at Koch Turf & Ornamental in the Fertilizer Application forum.

    Dismiss Notice

Commercial Auto Insurance

Discussion in 'Lawn Mowing' started by JimLewis, Sep 11, 2002.

  1. JimLewis

    JimLewis LawnSite Fanatic
    Messages: 6,872

    Hey, anyone know a good company for Commercial Auto Insurance? I've shopped around quite a bit and even the lowest priced carrier I've found is still gouging me. Any suggestions?
  2. The Lawn Choupique

    The Lawn Choupique Banned
    Messages: 199

    Get rid of the commercial plates. That should solve the problem.
  3. KDJ

    KDJ LawnSite Senior Member
    Messages: 325

    I do well with Hartford. Truck, Trailer and 2m GL 1900.00 A year.
  4. TurfGuyTX

    TurfGuyTX LawnSite Senior Member
    from DFW
    Messages: 648

    Sorry Jim.....Fellow Texans, if you need insurance, call Bob Robinson @ 972-285-0381. He's an independant and has access to multiple companies to best fit you. He does ours and he really saved us some money. Thanks to you guys that have insurance. It helps our industry's image.
  5. Dennis E.

    Dennis E. LawnSite Senior Member
    Messages: 349

    Our truck is insured with State Farm. Complete coverage and great rates.
    But then again I'm an old "geezer" in the rate system.:D :p
    If they only knew what aftermarket goodies I had installed on the PSD.:eek:
  6. GarPA

    GarPA LawnSite Silver Member
    from PA
    Messages: 2,585

    In watching your posts the past 6 months you seem to run a successful biz....so if what I say you already know, please pardon me....I spent a couple of decades inside an insurance company.... take your deductibles up to the highest limit you can afford...if I recall pics of your trucks, they are older and well maintained....I hope you are not carrying any comp or collision on them...it just does not pass the cost/benefit test....also, depending on how big your fleet is, your company may be pulling mvr's on your drivers....and if you have some crash dummies on your payroll, that could be hurting you....I know for a fact that commercial auto rates have not risen as much as our liability rates...I have only 2 turcks and my total cost is only $1200 per year...its a company that only writes in the Northeast however...hope this helps...
  7. JimLewis

    JimLewis LawnSite Fanatic
    Messages: 6,872

    Actually, NO! That doesn't solve the problem. The fact is we are using our trucks for commercial use. And it's pretty obvious when you see our trucks and trailers that they are not personal trucks. The problem arises when you get into an accident and the "personal" auto policy you had them insured on finds out the trucks were actually used commercially and then denies your claim and cancels your insurance. The other party in the accident doesn't take to kindly to that.

    Just FYI, I have a good friend who's an LCO who tried using his "personal" auto insurance on his truck and is now facing a pretty big lawsuit from the car he hit because they denied him when he got into an accident. Not cool.

    Furthermore, we don't have commercial license plates.
  8. JimLewis

    JimLewis LawnSite Fanatic
    Messages: 6,872

    Yep, already did it.
    Heck no.
    YAh, they are. And my employees are good, in regards to their MVR. It's my MVR that is raising our rates. I have 3 speeding tickets in the last 3 years. :eek:
  9. Chuck Sinclair

    Chuck Sinclair LawnSite Senior Member
    Messages: 336


    I have mine insured with Progressive with 1 mil liability.
    1 Truck 1600 a year.
  10. bubble boy

    bubble boy LawnSite Bronze Member
    Messages: 1,020

    choupique, do you do anything the right way or everything your way???:rolleyes: :rolleyes:

Share This Page