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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.


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Unread 02-04-2010, 11:10 AM   #1
bige39
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Default Business insurance

Where can I find business insurance that will cover my smoker, concession trailer and vehicle that wont break me?
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Unread 02-04-2010, 11:21 AM   #2
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Good luck. It falls under commercial rates & they're steep!
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Unread 02-04-2010, 11:28 AM   #3
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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.
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Unread 02-04-2010, 11:42 AM   #4
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My rig and trailer are covered under my allstate policy and is not commercial.
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Unread 02-04-2010, 11:47 AM   #5
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Try "The Hartford"...that's where I got mine...I pay $350.00 per year for one million liability.
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Unread 02-04-2010, 11:49 AM   #6
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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.
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Unread 02-04-2010, 11:57 AM   #7
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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.
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Unread 02-05-2010, 06:40 AM   #8
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thanks I will be talking to an agent today
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Unread 02-05-2010, 11:00 AM   #9
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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
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Unread 02-05-2010, 11:32 AM   #10
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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.
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Unread 02-06-2010, 08:30 PM   #11
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i use steve raab too. hes done good by me
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Unread 02-07-2010, 08:43 AM   #12
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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.
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Unread 02-07-2010, 01:51 PM   #13
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Could you guy's tell me where your at^^^^^^^ I could use some extra money Kidding of course, here State farm was under $400 a year liability. Thats for trailer, smoker amd equipment.
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Unread 02-07-2010, 03:29 PM   #14
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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.
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Unread 02-10-2010, 12:53 PM   #15
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Quote:
Originally Posted by Ford View Post
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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