bbq trailer insurance question

QueTPiesBBQ · 02-24-2009, 01:56 PM

I need some input on what type of insurance can be written for a enclosed bbq trailer with a pellet cooker on a 6' open portion of the trailer? My insurance agent doesn't want to carry the insurance because of the risk of carrying fuel for the cooker. Sounds to me like they are not understanding the nature of the bbq cooker or contests. Anyone have any ideas?

big brother smoke · 02-24-2009, 02:29 PM

Who are you insured with? I am with Allstate and only had to make a phone call.

QueTPiesBBQ · 02-24-2009, 02:38 PM

state farm

Bbq Bubba · 02-24-2009, 02:51 PM

Make it simple for them.

Tell them to insure a trailer worth X amount. Done.

No, i don't sell insurance, just drank my lunch.

Bride of Roo(BQ'n) · 02-24-2009, 02:54 PM

State Farm covered ours with a Spicewine mounted on the back. Its all in the wording ....

Jacked UP BBQ · 02-24-2009, 03:10 PM

Doesn't the tow vehicle insure the trailer when hooked and property insurance cover where it is parkeD?????

QueTPiesBBQ · 02-24-2009, 03:20 PM

from what the agent told me that, when hooked to the truck liability would cover the trailer if it wasn't my fault. Homeowners should cover it when it is in the driveway.

Bentley · 02-24-2009, 04:02 PM

Quote:

Originally Posted by uraslackertoo

from what the agent told me that, when hooked to the truck liability would cover the trailer if it wasn't my fault. Homeowners should cover it when it is in the driveway.

If you are just using it for personal use, the liability is usually covered in your PAP. Your HO policy would cover things like theft or damage at home or at a competition, or in transit. If you are using it for business or commercial use you should have a seperate policy. Each state is different.

Yes, I am in insurance agent in CA.

KC_Bobby · 02-24-2009, 04:50 PM

I just called my State Farm agent and he told me when I get done to send him the following:
- pics
- cost of materials
- what I'd ask for it if I sold it (since no labor costs were involved and alot of the materials were purchased wholesale)

Jorge · 02-24-2009, 04:58 PM

Quote:

Originally Posted by uraslackertoo

from what the agent told me that, when hooked to the truck liability would cover the trailer if it wasn't my fault. Homeowners should cover it when it is in the driveway.

I'd have another talk with the agent, and make sure they understood what you needed. If that doesn't work, I'd be asking friends and family for their experience with another agent.

HBMTN · 02-24-2009, 05:03 PM

Mine told me that it was covered if I was towing it with my truck unless what I was towing was for commercial use.

n-2-que · 02-24-2009, 05:19 PM

state farm also here on the enclosed trailer

beam boys bbq · 02-24-2009, 05:52 PM

umbrella policey

this covers my trailer and the food i sell i just covers everything
ask your rep about this it was cheaper to put it all in one big a** policey

i have an millon dollers policey for 350.00 an year

smoker - trailer- bad food if it would happen

york

Bentley · 02-25-2009, 12:00 AM

An umbrella policy is usually for just Liability, it does not cover theft, physical damage... You guys need to sit down with your agents, spell out what coverages you are looking for and make sure they are telling you in plain English what you have. Make them earn their policy commission.

Jacked UP BBQ · 02-25-2009, 11:11 AM

simply put, you are always using it for personal use.

02-24-2009, 01:56 PM	#1
QueTPiesBBQ On the road to being a farker Join Date: 09-22-08 Location: Sheridan, Ar	bbq trailer insurance question I need some input on what type of insurance can be written for a enclosed bbq trailer with a pellet cooker on a 6' open portion of the trailer? My insurance agent doesn't want to carry the insurance because of the risk of carrying fuel for the cooker. Sounds to me like they are not understanding the nature of the bbq cooker or contests. Anyone have any ideas? __________________ Chris Green FEC100

02-24-2009, 02:29 PM	#2
big brother smoke somebody shut me the fark up. Join Date: 05-03-06 Location: Ventura, CA	Who are you insured with? I am with Allstate and only had to make a phone call. __________________ Peace and Smoke, BBS Powered by the West Coast Offense: Big Poppa Smokers and Simply Marvelous BBQ - "Walk with Us" My weapons: Humphrey's Smokers

02-24-2009, 02:38 PM	#3
QueTPiesBBQ On the road to being a farker Join Date: 09-22-08 Location: Sheridan, Ar	state farm __________________ Chris Green FEC100

02-24-2009, 02:51 PM	#4
Bbq Bubba somebody shut me the fark up. Join Date: 05-03-07 Location: New Baltimore, Mi.	Make it simple for them. Tell them to insure a trailer worth X amount. Done. No, i don't sell insurance, just drank my lunch. __________________ Owner of Bubba's BBQ & Catering L.L.C. Beer Snob I cook the #bestbrisketnorthoftexas. Get over it. #detroitporkmafia BBQ Person of the Year 2013

02-24-2009, 02:54 PM	#5
Bride of Roo(BQ'n) is one Smokin' Farker Join Date: 10-14-07 Location: Arlington, Nebraska	State Farm covered ours with a Spicewine mounted on the back. Its all in the wording .... __________________ Char Corduroy Pillows are Making Headlines Operation BBQ for our Troops- Midwest Division www.operationbbqmw.org

02-24-2009, 03:10 PM	#6
Jacked UP BBQ Babbling Farker Join Date: 06-09-08 Location: Forker River, NJ	Doesn't the tow vehicle insure the trailer when hooked and property insurance cover where it is parkeD????? __________________ Jacked UP BBQ vending Ocean County Pig Assassins competition team retired and is now known as Jacked UP BBQ Fec 750 Fec 100 Large Spicewine

02-24-2009, 03:20 PM	#7
QueTPiesBBQ On the road to being a farker Join Date: 09-22-08 Location: Sheridan, Ar	from what the agent told me that, when hooked to the truck liability would cover the trailer if it wasn't my fault. Homeowners should cover it when it is in the driveway. __________________ Chris Green FEC100

02-24-2009, 04:50 PM	#9
KC_Bobby Babbling Farker Join Date: 05-03-07 Location: Olathe KS	I just called my State Farm agent and he told me when I get done to send him the following: - pics - cost of materials - what I'd ask for it if I sold it (since no labor costs were involved and alot of the materials were purchased wholesale) __________________ Boondoggle BBQ Country Smokers 450 Weber Smokey Mountain 18" Proud KCBS Member & Certified Judge

02-24-2009, 05:03 PM	#11
HBMTN is Blowin Smoke! Join Date: 10-16-08 Location: Virginia	Mine told me that it was covered if I was towing it with my truck unless what I was towing was for commercial use. __________________ Ole Hickory EL-EW, FEC 120, Lang 84, Custom Off Set

02-24-2009, 05:19 PM	#12
n-2-que is one Smokin' Farker Join Date: 11-08-06 Location: Iowa City, IA	state farm also here on the enclosed trailer __________________ Cook Brisket Bill - Cook - KCBS Judge Dianne- Go Getter - KCBS Judge Cooker CookShack- Fec100 BGE - Extra Large with Table Weber- 22 inch Kettle ______________ www.n2que.com

02-24-2009, 05:52 PM	#13
beam boys bbq is one Smokin' Farker Join Date: 10-15-06 Location: washington mo	state farm umbrella policey this covers my trailer and the food i sell i just covers everything ask your rep about this it was cheaper to put it all in one big a** policey i have an millon dollers policey for 350.00 an year smoker - trailer- bad food if it would happen york __________________ MOFO Chapter - BBQ Brethren KCBS CBJ - Beta Beta Que jim beam black coke

02-25-2009, 12:00 AM	#14
Bentley Babbling Farker Join Date: 03-14-07 Location: Culpeper, Virginia	An umbrella policy is usually for just Liability, it does not cover theft, physical damage... You guys need to sit down with your agents, spell out what coverages you are looking for and make sure they are telling you in plain English what you have. Make them earn their policy commission. __________________ Certified Master Judge #5382 What is best in life? "To crush your BBQ opponents, to see them driven before you, and to hear the lamentations of their women."

02-25-2009, 11:11 AM	#15
Jacked UP BBQ Babbling Farker Join Date: 06-09-08 Location: Forker River, NJ	simply put, you are always using it for personal use. __________________ Jacked UP BBQ vending Ocean County Pig Assassins competition team retired and is now known as Jacked UP BBQ Fec 750 Fec 100 Large Spicewine

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