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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 .
 

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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.
 

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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.
 

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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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Originally posted by scagman11
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.
This is correct. General Liability is for damages caused by you or your equipment to others. What you need to cover your equipment damage costs to you is inland marine.
 

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This thread made me call my insurance to check some things out and this is what I got.

I am insured with Allstate and they told me that my trailer is covered by my trucks insurance but it's only liability, even if my truck is fully insured. They would pay for damages to others if it happened but they would not pay for damages to the trailer, hence the liability.

If your trailer is covered on its own policy, it will be covered if anything does happen to the trailer. You will only be out your deductible.

So, Is extra trailer insurance a good thing to have? In my opinion it is. I mean for as little as $5 a month, It's more than worth it to cover all ends.
 

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Trailers are insured as a seperate vehicle on my policy I also have inland marine to cover the contents of the trailers.
 

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Do you work for $$, are their signs on your truck / trailer? Do you KNOW you are insured (trailer, trailer contents and damage to customers or other persons property).. If you have any doubts contact your insurance carrier and TALK to them, you might find out that you do not have the coverages needed to protect yourself as a business owner.
I ate the cost of my trailer when it was crushed by a falling tree during a windstorm (parked on the street), when I contacted the insurance company i was informed 'Oh you dont have that coverage'... Come to find out my new truck was also not properly covered.. Take it from someone who learned the hard way, Talk to your insurance agent, if you do not have the 'warm n fuzzy' feeling after your conversation you had better look into a different carrier. Full insurance is not cheap so shop wisely.

BobR
 
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