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Competition BBQ *On Topic Only* Discussion regarding all aspects of Competition BBQ. Experiences competing or visiting, questions, getting started, Equipment, announcements of events, Results, Reviews, Planning, etc. Questions here will be responded to with competition BBQ in mind.


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Unread 02-24-2009, 01:56 PM   #1
QueTPiesBBQ
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Default 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?
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Unread 02-24-2009, 02:29 PM   #2
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Who are you insured with? I am with Allstate and only had to make a phone call.
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Unread 02-24-2009, 02:38 PM   #3
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state farm
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Unread 02-24-2009, 02:51 PM   #4
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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.
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Unread 02-24-2009, 02:54 PM   #5
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State Farm covered ours with a Spicewine mounted on the back. Its all in the wording ....
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Unread 02-24-2009, 03:10 PM   #6
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Doesn't the tow vehicle insure the trailer when hooked and property insurance cover where it is parkeD?????
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Unread 02-24-2009, 03:20 PM   #7
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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.
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Unread 02-24-2009, 04:02 PM   #8
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Quote:
Originally Posted by uraslackertoo View Post
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.
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Unread 02-24-2009, 04:50 PM   #9
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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)
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Unread 02-24-2009, 04:58 PM   #10
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Quote:
Originally Posted by uraslackertoo View Post
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.
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Unread 02-24-2009, 05:03 PM   #11
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Mine told me that it was covered if I was towing it with my truck unless what I was towing was for commercial use.
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Unread 02-24-2009, 05:19 PM   #12
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state farm also here on the enclosed trailer
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Unread 02-24-2009, 05:52 PM   #13
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Default 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
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Unread 02-25-2009, 12:00 AM   #14
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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.
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Unread 02-25-2009, 11:11 AM   #15
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simply put, you are always using it for personal use.
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