MMMM.. BRISKET..
The BBQ BRETHREN FORUMS.  



Our Homepage Donation to Forum Overhead Welocme Merchandise Associations Purchase Subscription Amazon Affiliate
Go Back   The BBQ BRETHREN FORUMS. > Discussion Area > Catering, Food Handling and Awareness

Notices

Catering, Food Handling and Awareness *OnTopic* Forum to educate us on safe food handling. Not specifically for Catering or competition but overall health and keeping our families safe too.


Reply
 
Thread Tools
Old 03-04-2011, 12:36 PM   #1
OL' Timer
On the road to being a farker
 
OL' Timer's Avatar
 
Join Date: 12-10-10
Location: Waverly, TN
Default trailer insurance

Anyone have a place to get insurance on concession trailers?
__________________
Lang 84 Deluxe-CookShack SM150 Smoker,TN orange thermopen OL' Timer's BBQ. .bbq-brethren.com
OL' Timer is offline   Reply With Quote




Old 03-04-2011, 01:03 PM   #2
stan
is one Smokin' Farker
 
stan's Avatar
 
Join Date: 08-26-04
Location: Pleasant Hill, MO
Default

You looking for liability for catering to or just your trailer and property in/on it?
__________________
Stan
Co-Founder and Executive Director of Operation BBQ Relief - www.operationbbqrelief.org
Partner in BBQScores.com - A Competition Management System www.BBQScores.com
County Line Smokers Competition BBQ Team
KCBS Member - CBJ #20654
Pitmaker BBQ Vault mounted in a 12 Foot Competition Trailer
22 1/2 Weber Kettle, Stainless Steel gaser
chunks of wild cherry, pecan, oak
stan is offline   Reply With Quote


Old 03-04-2011, 01:51 PM   #3
OL' Timer
On the road to being a farker
 
OL' Timer's Avatar
 
Join Date: 12-10-10
Location: Waverly, TN
Default

trailer and property within, have had the liability for a while.
__________________
Lang 84 Deluxe-CookShack SM150 Smoker,TN orange thermopen OL' Timer's BBQ. .bbq-brethren.com
OL' Timer is offline   Reply With Quote


Old 03-04-2011, 01:59 PM   #4
stan
is one Smokin' Farker
 
stan's Avatar
 
Join Date: 08-26-04
Location: Pleasant Hill, MO
Default

I am checking with Foremost Insurance Company through my Farmers Agent and I am waiting for the quote back. Will let you know the cost.
__________________
Stan
Co-Founder and Executive Director of Operation BBQ Relief - www.operationbbqrelief.org
Partner in BBQScores.com - A Competition Management System www.BBQScores.com
County Line Smokers Competition BBQ Team
KCBS Member - CBJ #20654
Pitmaker BBQ Vault mounted in a 12 Foot Competition Trailer
22 1/2 Weber Kettle, Stainless Steel gaser
chunks of wild cherry, pecan, oak
stan is offline   Reply With Quote


Thanks from:--->
Old 03-04-2011, 02:19 PM   #5
seattlepitboss
is one Smokin' Farker
 
Join Date: 02-05-09
Location: Seattle, WA
Default

I know utility trailers are covered under your auto policy and need no separate insurance on their own. That's one of their chief selling points. Larger trailers, talk to your agent.
seattlepitboss is offline   Reply With Quote


Old 03-04-2011, 03:25 PM   #6
smoke-n-my-i's
is One Chatty Farker
 
smoke-n-my-i's's Avatar
 
Join Date: 08-27-07
Location: Eustis, FL
Default

Quote:
Originally Posted by seattlepitboss View Post
I know utility trailers are covered under your auto policy and need no separate insurance on their own. That's one of their chief selling points. Larger trailers, talk to your agent.
you better double check with your insurance agent. I was under the same impression and was told that mine was, until...... after the wreck, they told me that it was only covered with liability only while it was hooked to the truck, and that there was a clause that excluded it from anything else. Needless to say, we have had a few words.

Do NOT take it for granted that your trailer is covered, if they say it is, make sure it is in writing, it HAS to be added to your policy just like another vehicle to be covered. I lost everything on that one, over $4500 worth of trailer, upgrades, and contents.
__________________
KCBS Member
Smoke-N-My-I's Competition BBQ Team
2 Chargriller SuperPros with SFB's(retired)
2 UGLY drum smokers
Weber 22 1/2" & 18 1/2" Kettle
Super fast RED Thermapen
Screaming fast ORANGE Thermapen
KCBS Certified Table Captain
KCBS Certified Judge
smoke-n-my-i's is offline   Reply With Quote


Thanks from:--->
Old 03-04-2011, 04:06 PM   #7
Rookie'48
Quintessential Chatty Farker

 
Rookie'48's Avatar
 
Join Date: 11-12-06
Location: Des Moines, Iowa
Default

Quote:
Originally Posted by smoke-n-my-i's View Post
Do NOT take it for granted that your trailer is covered, if they say it is, make sure it is in writing, it HAS to be added to your policy just like another vehicle to be covered. I lost everything on that one, over $4500 worth of trailer, upgrades, and contents.
My Allied agent told me that my fifth wheel would be covered on my regular auto policy, but after some more questioning he admited that it would only be covered while it was hooked to the truck. Obviously that dog don't hunt! To add the trailer to my policy costs me a total of $15 per month - well worth the cost in my opinion.

Ask lots of questions. I think that the insurance companies really don't want the trailer bussiness - not enough profit for them.
__________________
Dave Compton
KCBS MasterCBJ # 22569
Member of the 100+ Contest Club
Judge Number 6 competition BBQ team

Possibly the only judge ever to get an award from a bunch of cooks

UDS 075 UCB WSM and a bunch of other stuff.
Rookie'48 is offline   Reply With Quote


Thanks from:--->
Old 03-04-2011, 04:15 PM   #8
stan
is one Smokin' Farker
 
stan's Avatar
 
Join Date: 08-26-04
Location: Pleasant Hill, MO
Default

Quote:
Originally Posted by smoke-n-my-i's View Post
you better double check with your insurance agent. I was under the same impression and was told that mine was, until...... after the wreck, they told me that it was only covered with liability only while it was hooked to the truck, and that there was a clause that excluded it from anything else. Needless to say, we have had a few words.

Do NOT take it for granted that your trailer is covered, if they say it is, make sure it is in writing, it HAS to be added to your policy just like another vehicle to be covered. I lost everything on that one, over $4500 worth of trailer, upgrades, and contents.
That is too bad that the agent did not inform you of that. The fact is there is limited coverage for an actual trailer under your auto (outside of liability) and your home owners if there is coverage it is very minimal couple hundred bucks. My travel trailer is endorsed on my auto and similar to what Dave said it is cheap. I am looking at a new comp trailer and was hoping that I could include contents on it. They have advised that it is the trailer itself and the smoker and other contents is covered under my home insurance. Since my back ground was in claims I made a few calls and they said it would be covered from the trailer for theft however there would be question of coverage for the contents if damaged in an accident. Here is why. Contents is named peril on most homeowners policies. If you were in a one car accident ran off the road lets say and damaged the trailer. The trailer is covered under the endorsement but the contents is not covered as it was not damaged by a named peril. The closest peril would be vehicle the the cause of loss is not due to a vehicle so it would be excluded. That is just one example so make sure you ask questions. But if you were hit by another vehicle, it was stolen, a fire occured etc then you would be covered.

Foremost is a specialty insurer that has a very good stand a lone policy better than the endorsement on your auto but is not for everyone.
__________________
Stan
Co-Founder and Executive Director of Operation BBQ Relief - www.operationbbqrelief.org
Partner in BBQScores.com - A Competition Management System www.BBQScores.com
County Line Smokers Competition BBQ Team
KCBS Member - CBJ #20654
Pitmaker BBQ Vault mounted in a 12 Foot Competition Trailer
22 1/2 Weber Kettle, Stainless Steel gaser
chunks of wild cherry, pecan, oak
stan is offline   Reply With Quote


Old 03-04-2011, 05:34 PM   #9
smoke-n-my-i's
is One Chatty Farker
 
smoke-n-my-i's's Avatar
 
Join Date: 08-27-07
Location: Eustis, FL
Default

Quote:
Originally Posted by Rookie'48 View Post
My Allied agent told me that my fifth wheel would be covered on my regular auto policy, but after some more questioning he admited that it would only be covered while it was hooked to the truck. Obviously that dog don't hunt! To add the trailer to my policy costs me a total of $15 per month - well worth the cost in my opinion.

Ask lots of questions. I think that the insurance companies really don't want the trailer bussiness - not enough profit for them.
That is basically what they told me, while it was hooked to the truck. Well, after the fact, they had insomnia..... and after 2 1/2 yrs, they wanted to know who I talked with...... hello, after that length of time, I am suppose to remember who I talked with about that????? And after you have gone through how many people in the office???? And when I mentioned errors and omissions, he all he could say was, "who did you talk with?", I need to know.... that was abt a month ago and he was to call me back.... time to look for another agent I think.

Now after the fact, I have learned a LOT, and I am only trying to inform others of the fact and to get their insurance checked for their trailers, whether enclosed, travel or otherwise..... everyone needs to check, double check, and be specific with their agent.
__________________
KCBS Member
Smoke-N-My-I's Competition BBQ Team
2 Chargriller SuperPros with SFB's(retired)
2 UGLY drum smokers
Weber 22 1/2" & 18 1/2" Kettle
Super fast RED Thermapen
Screaming fast ORANGE Thermapen
KCBS Certified Table Captain
KCBS Certified Judge
smoke-n-my-i's is offline   Reply With Quote


Old 03-04-2011, 05:36 PM   #10
smoke-n-my-i's
is One Chatty Farker
 
smoke-n-my-i's's Avatar
 
Join Date: 08-27-07
Location: Eustis, FL
Default

Thanks for that info, some more good things to check on and remember. Agents, I have found out will tell you one thing on the phone to get you off, and then when you need something like this, they can't remember anything and have no details of it..... check, double check, and make sure it is in writing..... read the exclusions on your policy closely. I still have NOT found the exclusions they say is on mine..... time to go visit my agent face to face......

Quote:
Originally Posted by stan View Post
That is too bad that the agent did not inform you of that. The fact is there is limited coverage for an actual trailer under your auto (outside of liability) and your home owners if there is coverage it is very minimal couple hundred bucks. My travel trailer is endorsed on my auto and similar to what Dave said it is cheap. I am looking at a new comp trailer and was hoping that I could include contents on it. They have advised that it is the trailer itself and the smoker and other contents is covered under my home insurance. Since my back ground was in claims I made a few calls and they said it would be covered from the trailer for theft however there would be question of coverage for the contents if damaged in an accident. Here is why. Contents is named peril on most homeowners policies. If you were in a one car accident ran off the road lets say and damaged the trailer. The trailer is covered under the endorsement but the contents is not covered as it was not damaged by a named peril. The closest peril would be vehicle the the cause of loss is not due to a vehicle so it would be excluded. That is just one example so make sure you ask questions. But if you were hit by another vehicle, it was stolen, a fire occured etc then you would be covered.

Foremost is a specialty insurer that has a very good stand a lone policy better than the endorsement on your auto but is not for everyone.
__________________
KCBS Member
Smoke-N-My-I's Competition BBQ Team
2 Chargriller SuperPros with SFB's(retired)
2 UGLY drum smokers
Weber 22 1/2" & 18 1/2" Kettle
Super fast RED Thermapen
Screaming fast ORANGE Thermapen
KCBS Certified Table Captain
KCBS Certified Judge
smoke-n-my-i's is offline   Reply With Quote


Old 03-04-2011, 07:01 PM   #11
Capn Kev
is one Smokin' Farker

 
Join Date: 12-08-09
Location: Littleton, CO
Default

My auto broker was able to cover my trailer for property coverage. It was cheap. Covers all of my equipment moving or not,even theft while in storage, etc. If you need help finding coverage, pm me.
__________________
[SIZE=2]Kevin
[B]Swinestone Cowboys BBQ Team[/B]
FEC-100, REC TEC Grill, WSM 22.5", UDS, KCBS CBJ #54829
[/SIZE]
Capn Kev is offline   Reply With Quote


Old 03-04-2011, 08:47 PM   #12
OL' Timer
On the road to being a farker
 
OL' Timer's Avatar
 
Join Date: 12-10-10
Location: Waverly, TN
Default

Thanks for every one's help. Went to foremost which covers my motorcycle and they said they would cover it. My auto insurance only covers liability and they said go elsewhere for collision and theft. Go figure.
__________________
Lang 84 Deluxe-CookShack SM150 Smoker,TN orange thermopen OL' Timer's BBQ. .bbq-brethren.com
OL' Timer is offline   Reply With Quote


Old 03-06-2011, 05:40 PM   #13
Shinka
Full Fledged Farker
 
Shinka's Avatar
 
Join Date: 02-06-11
Location: New Jersey
Default

I'm having a real hard time in New Jersey looking to cover my trailer with insurance. My current auto company won't cover it and I've checked with 3 other carriers and they won't cover it either. We don't even get as far as checking my record, they just don't want to be bothered.

I'm thinking about starting a LLC, but nobody wants to cover with commercial insurance sombody who is just starting out.

I just don't undersatand it... trying to do things the "right" way and nobody wants to give me the time of day.

I'm open for suggestions myself if anybody has any...
__________________
Meadow Creek TS120 w/insulated fire box & BBQ42
Shinka is offline   Reply With Quote


Old 03-06-2011, 08:26 PM   #14
stan
is one Smokin' Farker
 
stan's Avatar
 
Join Date: 08-26-04
Location: Pleasant Hill, MO
Default

Quote:
Originally Posted by Shinka View Post
I'm having a real hard time in New Jersey looking to cover my trailer with insurance. My current auto company won't cover it and I've checked with 3 other carriers and they won't cover it either. We don't even get as far as checking my record, they just don't want to be bothered.

I'm thinking about starting a LLC, but nobody wants to cover with commercial insurance sombody who is just starting out.

I just don't undersatand it... trying to do things the "right" way and nobody wants to give me the time of day.

I'm open for suggestions myself if anybody has any...
Foremost insurance company will cover the trailer itself. They will not cover the contents as that would be covered by your homeowners insurance. You can get a quote from www.foremost.com
__________________
Stan
Co-Founder and Executive Director of Operation BBQ Relief - www.operationbbqrelief.org
Partner in BBQScores.com - A Competition Management System www.BBQScores.com
County Line Smokers Competition BBQ Team
KCBS Member - CBJ #20654
Pitmaker BBQ Vault mounted in a 12 Foot Competition Trailer
22 1/2 Weber Kettle, Stainless Steel gaser
chunks of wild cherry, pecan, oak
stan is offline   Reply With Quote


Old 03-06-2011, 08:35 PM   #15
worthsmokin
Full Fledged Farker

 
Join Date: 09-23-09
Location: Grant City, MO
Default

We have commercial insurance through Cameron Insurance. It covers my truck and trailer and inland marine for contents. We also have a million dollar general liability.
__________________
[COLOR=darkgreen]Tyler McElvain [/COLOR]

[SIZE=1][COLOR=red]Worth Smokin' BBQ[/COLOR][/SIZE]
[SIZE=1][COLOR=darkgreen]26' KZ Toyhauler w/McPike 150 STOKER powered[/COLOR][/SIZE]
[SIZE=1][COLOR=red]Red Therma-Pen[/COLOR][/SIZE]
[URL="http://www.facebook.com/worthsmokinbbq"][COLOR=#800080]www.facebook.com/worthsmokinbbq[/COLOR][/URL]
worthsmokin is offline   Reply With Quote


Reply

Similar Threads
Thread Thread Starter Forum Replies Last Post
Trailer/smoker Insurance thillin Catering, Food Handling and Awareness 7 05-09-2011 02:06 PM
Trailer Insurance ASUBBQ Catering, Vending and Cooking For The Masses. 8 05-04-2009 04:34 PM
bbq trailer insurance question QueTPiesBBQ Competition BBQ 15 02-25-2009 06:45 PM
Insurance on Trailer Mounted Smoker sampson Q-talk 12 10-09-2008 12:28 PM
Smoker Trailer Insurance Sticks-n-chicks Competition BBQ 16 07-31-2008 10:35 AM

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


Forum Custom Search: Enter your Search text below. GOOGLE will search ONLY the BBQ Brethren Forum.
Custom search MAY not work(no display box) in some configurations of Internet Explorer. Please use compliant version of Firefox or Chrome.







All times are GMT -5. The time now is 07:46 PM.


Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2024, vBulletin Solutions, Inc.
2003 -2012 © BBQ-Brethren Inc. All rights reserved. All Content and Flaming Pig Logo are registered and protected under U.S and International Copyright and Trademarks. Content Within this Website Is Property of BBQ Brethren Inc. Reproduction or alteration is strictly prohibited.
no new posts