Trailer Insurence?????

Discussion in 'Lawn Mowing' started by dirtbikernas, Feb 12, 2004.

  1. dirtbikernas

    dirtbikernas LawnSite Member
    Messages: 17

    Does anyone have trailer insurence? How much per permonth?? any one know where the cheapest is??

  2. jajwrigh

    jajwrigh LawnSite Bronze Member
    Male, from Martinsville, IN
    Messages: 1,405

    I was told from the BMV that trailers are exempt from insurance so you don't need to worry about it.
  3. gator-town

    gator-town LawnSite Member
    from bfe
    Messages: 92

    jajwrigh ... your equipment/utility trailer should be insured under your truck/vehicle policy which does not include the items on the trailer ... your equipment should be covered under your company liability insurance ... at least that is how mine is set up .
  4. precisioncut

    precisioncut LawnSite Senior Member
    Messages: 653

    I have my trailer (5x10 Bigtex utility) covered separetly. It costs $16 for 6 months.
  5. Wells

    Wells LawnSite Member
    from SLC UT
    Messages: 0

    My 7'x16' enclosed trailer is covered under my auto policy as a rider to the auto. It increased the premium by $50.00 per year. Less that $5.00/month.

    Equipment is covered under the business liability insurance, just like Gator-Town said.
  6. captaingreen

    captaingreen LawnSite Senior Member
    Messages: 471

    Mine is also covered under my auto policy. If you call and speak with your auto ins. company they could tell you if your already covered.
  7. vadeere

    vadeere LawnSite Member
    Messages: 247

    It is covered under the tow vehicle's policy. You can buy extra coverage which we have for our landscape/car trailer. It was $20 for 6 months or 12 months I can't remember. It was worth it to us when you have a 4,000 pound $20,000 thousand dollar investment in tow.

    Hope this helps.
  8. AGLawnCare

    AGLawnCare LawnSite Member
    Messages: 33

    i had it covered under my auto and it only covered me up to 1,000 dollars when our trailer got totaled so you should make sure you check on the amount it is covered up to
  9. kppurn

    kppurn LawnSite Senior Member
    Messages: 426

    My trailer is covered under my commercial auto insurance policy. It's also included on my liability policy as well.
  10. scagman11

    scagman11 LawnSite Member
    Messages: 5

    Your business liability will not cover what is on the trailer. To cover the contents off the trailer it needs to be added as what is called inland marine. If a mower flies off the trailer and damages someones car or property your auto insurance will pay for that. Liability only covers the other persons property.

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