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-   Catering, Food Handling and Awareness (https://www.bbq-brethren.com/forum/forumdisplay.php?f=30)
-   -   Business insurance (https://www.bbq-brethren.com/forum/showthread.php?t=77668)

bige39 02-04-2010 11:10 AM

Business insurance
 
Where can I find business insurance that will cover my smoker, concession trailer and vehicle that wont break me?

Bbq Bubba 02-04-2010 11:21 AM

Good luck. It falls under commercial rates & they're steep!

GreasePig 02-04-2010 11:28 AM

I'd personally recommend going to a local independent insurance agency. I don't have a concession business, but I do have a business and having a good insurance guy is one of the big three. Have a good insurance guy, a good banker, and a good lawyer. I use a local guy with an agency that has been around a long time. He has helped me save money on insurance for years. If the rates go up he can quickly look at the other rates and find me a better deal. It is also really nice to know the people at the agency and know I can deal with them instead of some corperate type on the phone.

big brother smoke 02-04-2010 11:42 AM

My rig and trailer are covered under my allstate policy and is not commercial.

JD McGee 02-04-2010 11:47 AM

Try "The Hartford"...that's where I got mine...I pay $350.00 per year for one million liability. :cool:

Ford 02-04-2010 11:49 AM

Just bought for my new trailer with a value of $35k and had to put my truck on a commercial policy because it tows the trailer. Actually not a bad price on the truck. Auto Owners. Total package $1700 and I have million liability.

Ins for the concession trailer and smoker is expensive. But if there's an accident and it's your livelyhood then it is pretty cheap. Still I'd be out of business for 4 weeks at least if my rig was totalled. I'd do the best to find local people to help me with the stuff I had committed to do.

Also use auto owners for liability for catering and vending of food in case somebody gets sick.

theBBQspecialist 02-04-2010 11:57 AM

We carry our commercial insurace with a local agent that has been around for a while. I have to agree with the Big three....Banker, insurance, and lawyer! That's some great advice.

bige39 02-05-2010 06:40 AM

thanks I will be talking to an agent today

Jacked UP BBQ 02-05-2010 11:00 AM

Contact Steve Raab at Fat Angel BBQ he does my insurance and he is a great guy, you can pm him through here or go to his website. www.localsmokebbq.com

ChiefOsceola 02-05-2010 11:32 AM

Get a local agent. I sell Auto-Owners, Hartford, Travelers, etc and it all depends on the truck/trailer/driver info. Go local and you'll be good to go, especially if you have an agent that already handles your other stuff.

chopshop 02-06-2010 08:30 PM

i use steve raab too. hes done good by me

HBMTN 02-07-2010 08:43 AM

Got mine through Nationwide, I think is is very resonable at roughly $1000 annually covering my truck, trailer & equipment plus general liability 1,000,000/2,000,000.

BRBBQ 02-07-2010 01:51 PM

Could you guy's tell me where your at^^^^^^^ I could use some extra money:biggrin::biggrin::biggrin: Kidding of course, here State farm was under $400 a year liability. Thats for trailer, smoker amd equipment.

Ford 02-07-2010 03:29 PM

In Michigan we have much higher vehicle insurance than the rest of the country. In case of an accident your medical bills are paid by the vehicle insurance not your health insurance and we have no fault insurance.

And of course the value of your vehicles makes a difference. Trailer $35k and truck $30k.

chopshop 02-10-2010 12:53 PM

Quote:

Originally Posted by Ford (Post 1173104)
In Michigan we have much higher vehicle insurance than the rest of the country. In case of an accident your medical bills are paid by the vehicle insurance not your health insurance and we have no fault insurance.

And of course the value of your vehicles makes a difference. Trailer $35k and truck $30k.

Have you been to nj its no bargain here either. Nj's rates went down 10% over the last 2 years and we still have the highest insurance in the country. i guess that the cost of living in the garden state


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