Business insurance

bige39 · 02-04-2010, 11:10 AM

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.

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

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

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

02-04-2010, 11:10 AM	#1
bige39 Found some matches. Join Date: 10-01-09 Location: Louisville, Ky Name/Nickname : Big "E"	Business insurance Where can I find business insurance that will cover my smoker, concession trailer and vehicle that wont break me?

02-04-2010, 11:28 AM	#3
GreasePig is One Chatty Farker Join Date: 07-02-09 Location: Fayetteville, AR	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. __________________ The beatings will continue until morale improves!

02-04-2010, 11:42 AM	#4
big brother smoke somebody shut me the fark up. Join Date: 05-03-06 Location: Ventura, CA	My rig and trailer are covered under my allstate policy and is not commercial. __________________ 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

02-04-2010, 11:47 AM	#5
JD McGee somebody shut me the fark up. Join Date: 06-28-07 Location: Duvall, WA	Try "The Hartford"...that's where I got mine...I pay $350.00 per year for one million liability. __________________ "The team formerly known as "Wine Country "Q"... PNWBA "Team of the Year" 2011, 2012, 2013, 2014, 2016, 2017... We cook on MAK Grills and Bullets...

02-04-2010, 11:49 AM	#6
Ford is Blowin Smoke! Join Date: 04-14-07 Location: Lakeland Florida	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. __________________ Ford Retired competition cook. BBQ mentor.

02-04-2010, 11:21 AM	#2
Bbq Bubba somebody shut me the fark up. Join Date: 05-03-07 Location: New Baltimore, Mi.	Good luck. It falls under commercial rates & they're steep!

02-04-2010, 11:57 AM	#7
theBBQspecialist On the road to being a farker Join Date: 05-08-09 Location: Newfield, Maine Name/Nickname : Humphrey's Smokers	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. __________________ Nicole and Chad Humphrey : Humphrey's Smokers [URL="http://www.humphreysbbq.com"]www.HumphreysBBQ.com [/URL]

02-05-2010, 06:40 AM	#8
bige39 Found some matches. Join Date: 10-01-09 Location: Louisville, Ky Name/Nickname : Big "E"	thanks I will be talking to an agent today

02-05-2010, 11:00 AM	#9
Jacked UP BBQ Babbling Farker Join Date: 06-09-08 Location: Forker River, NJ	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 __________________ 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

02-05-2010, 11:32 AM	#10
ChiefOsceola On the road to being a farker Join Date: 02-03-10 Location: Douglas, GA	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. __________________ Proud new Papa of an UGLY drum smoker!

02-06-2010, 08:30 PM	#11
chopshop On the road to being a farker Join Date: 09-10-06 Location: Seaside Heights NJ	i use steve raab too. hes done good by me __________________ www.chopshopbarbecue.com

02-07-2010, 08:43 AM	#12
HBMTN is Blowin Smoke! Join Date: 10-16-08 Location: Virginia	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. __________________ Ole Hickory EL-EW, FEC 120, Lang 84, Custom Off Set

02-07-2010, 01:51 PM	#13
BRBBQ Babbling Farker Join Date: 06-05-08 Location: Council Bluffs, Iowa	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.

02-07-2010, 03:29 PM	#14
Ford is Blowin Smoke! Join Date: 04-14-07 Location: Lakeland Florida	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. __________________ Ford Retired competition cook. BBQ mentor.

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