Commercial Auto Policy and General Liability Policy

[Beacon Carpet & Tile Cleaners]

Looking for some input on Insurance Companies you use for commercial auto and general liability policies.
Currently w/Farmer's but curious what's the best/cheapest you have used.. My rates seem HIGH!

Thank You!

 

[Desk Jockey]

Not sure about rates with Farmers but I've seen the way they handle claims. If you stay with them don't ever turn in a claim.

If I were you I'd find an insurance broker for commercial insurance. He will shop your coverage for the best deal amongst several companies. Not only will your rates be better but your coverage should also be much better.

 

[Beacon Carpet & Tile Cleaners]

Not sure about rates with Farmers but I've seen the way they handle claims. If you stay with them don't ever turn in a claim.

If I were you I'd find an insurance broker for commercial insurance. He will shop your coverage for the best deal amongst several companies. Not only will your rates be better but your coverage should also be much better.

Excellent info! TY

 

[Kenny Hayes]

That’s the best advice. And Farmers sucks!! I have the Hartford through an independent agent.

 

[hogjowl]

I just don’t understand why Richard had to tell you that?
I mean DUH!

 

[Joseph225]

Look in your local community. I don't know if you do much business networking, but check out a BNI group, or hit up some Chamber of Commerce or Home Builder's Association events. You should find several agents who are active in these things. You'll hit it off with at least one, and use them.

 

[hogjowl]

I tried BNI
My Boyle syndrome ruined it

 

[Nomad74]

I have Farmers and my rates are high. But they are the only ones that will give me workmen's comp without a pre-existing 2 year old policy if I want to hire a helper. Their comp is way cheaper than the state funded comp. I've heard their audits can be hell though.

 

[Donwand]

I use Erie Ins for Commercial Business Insurance and WC. Erie also has excellent rates for personal auto.

 

[Donwand]

Here in Pennsylvania, I searched high and low many years ago and found only one insurance company to offer a replacement cost policy on my Butler System. I have a standard business auto insurance policy on the GMC van $1749.00 per year and a commercial inland marine policy that covers the Butler at 100% Replacement at $711.00. Both policies are with Liberty Mutual. I never had a claim on this policy but my rates consistently go up every year.

 

[Mikey P]

Talk to a Country Financial rep

 

[Kenny Hayes]

I have Farmers and my rates are high. But they are the only ones that will give me workmen's comp without a pre-existing 2 year old policy if I want to hire a helper. Their comp is way cheaper than the state funded comp. I've heard their audits can be hell though.

You’re audit will only be what it is. And, being a sole proprietor, there’s a maximum they will automatically charge of payroll on your policy. Any additional payroll will be where the audit occurs.

 

[Kenny Hayes]

Here in Pennsylvania, I searched high and low many years ago and found only one insurance company to offer a replacement cost policy on my Butler System. I have a standard business auto insurance policy on the GMC van $1749.00 per year and a commercial inland marine policy that covers the Butler at 100% Replacement at $711.00. Both policies are with Liberty Mutual. I never had a claim on this policy but my rates consistently go up every year.

Per your first words, each state is different and not every carrier is in each state. But, each carrier complies to insurance service office/ISO
standards of coverage.

 

[Kenny Hayes]

I just don’t understand why Richard had to tell you that?
I mean DUH!

Not everyone is as smart as you

 

[Desk Jockey]

Not everyone is as smart as you

Or as dumb either!

 

[hogjowl]

Asshole

 

[Desk Jockey]

Yes sir I AM.

 

[Beacon Carpet & Tile Cleaners]

Here in Pennsylvania, I searched high and low many years ago and found only one insurance company to offer a replacement cost policy on my Butler System. I have a standard business auto insurance policy on the GMC van $1749.00 per year and a commercial inland marine policy that covers the Butler at 100% Replacement at $711.00. Both policies are with Liberty Mutual. I never had a claim on this policy but my rates consistently go up every year.

Great Info.. I have the Inland Marine policy and the Comm Auto. Super expensive! I'll look into Liberty Mut. Thank You!!

 

[Beacon Carpet & Tile Cleaners]

Look in your local community. I don't know if you do much business networking, but check out a BNI group, or hit up some Chamber of Commerce or Home Builder's Association events. You should find several agents who are active in these things. You'll hit it off with at least one, and use them.

Great Idea..TY