Our Homepage Donation to Forum Overhead Recipes Smoke Signals Magazine Welocme Merchandise Associations Purchase Subscription Amazon Affiliate
Go Back   The BBQ BRETHREN FORUMS. > Discussion Area > Competition BBQ


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.

Thread Tools
Old 12-28-2010, 02:08 PM   #1
is One Chatty Farker
smoke-n-my-i's's Avatar
Join Date: 08-27-07
Location: Eustis, FL
Default trailers, equipment, and insurance -- a MUST read

I am putting this here as a competition cook myself. Mods, if you feel it needs to be moved, please do.

I am trying to notify everyone I can, so please read and pass the info on.

IF you have a trailer, competition or otherwise, please call your auto insurance company NOW.... do NOT wait. I found out the hard way that my trailer was NOT covered. I had call, and apparently there was some confusion and misunderstanding on possibly on both parts.

My trailer was only covered for liability while it was hooked to the truck. That was all. I had an accident Sunday night and total both the truck and trailer. No other vehicles involved. I hit some black ice on a bridge and that was all it wrote.....

I called my trailer dealer today to find out about what it would cost to fix. With what I told him, it is totaled. So I called my insurance agent, and was told that I had not added it to the policy. But they do not add cargo trailers. I explained to him it was a totally enclosed trailer and that I used it only for bbq comps and was going to start vending out it this year. He then said if he had known, it could have been added with no problem since it was enclosed and not just a normal trailer for just hauling stuff....

So, please do yourself a favor, if you do not know, call and be very specific, and make sure it is covered. I understand that it really isn't that much of a price difference, and a few dollars a year, can save you thousands later on.

Please pass this info on to everyone you know....

Smoke-N-My-I's Competition BBQ L.L.C.
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 12-28-2010, 02:14 PM   #2
somebody shut me the fark up.
Arlin_MacRae's Avatar
Join Date: 04-14-04
Location: Choctaw, OK


Thanks for sharing that. Hopefully nobody else will go through the pain you are.
Arlin MacRae

NB El Dorado Offset, Primo Oval Junior, Traeger Model 075 Pellet Pooper, Big Chief, Kingfisher Kooker 14" gas/wood combo, PBC Brethren Edition
Home Brewer, Murderer of Squirrels, Armadillo Inspector
Flaming Pig Head Mod
Black Thermapen, red backlit Thermapen
Certified KCBS BBQ Judge
Missin' KC...
Arlin_MacRae is offline   Reply With Quote

Old 12-28-2010, 02:22 PM   #3
is One Chatty Farker
smoke-n-my-i's's Avatar
Join Date: 08-27-07
Location: Eustis, FL

Here are a few pics..... It is worse than it looks. Look real close at the left wheel. The towing agency says that either the spindle or axle is broken but we can not see it. The side door is not closing at the bottom, so it appears that the box frame is bent. So in order to repair it if the frame isn't bent, is to completely strip it to the frame, and rebuild it. Labor and parts then would run more than a new trailer...... so, totaled. Here is a couple of the truck as well.

If you look real close, other than the bent fender on the right side, you might can see where the lip of the rim is flat against the tire.... will need replacing.

Left front, sheet metal damage. We think the framing is also bent and shifted.

Look real close, you can see the wheel is in at the top, indication of something broken on the axle, spindle, or????

another shot of the front.

When we tried to unhook it from the truck, either the receiver hitch itself, or the trailer tongue is bent, we couldn't really tell in the dark, and too covered up with snow to see it real clear now....
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 12-28-2010, 02:36 PM   #4
Full Fledged Farker
Join Date: 10-29-06
Location: Paola, Kansas

Sorry to hear about the accident and thank you for the great advice. I insured my trailer as soon as the paperwork was signed over to me. The few dollars now is money well spent when we hear stories like this.
Operation BBQ Relief Vice President
Operation BBQ Relief Founding Member
Six UDS's, Traeger 125, Traeger Jr, two HD Off-sets, and a home-made Trailer mounted smoker
Funny Farm BBQ
[COLOR=darkred][B]***2010 Great American Barbecue Baste of the Year***[/B][/COLOR]
HarleyEarl is offline   Reply With Quote

Old 12-28-2010, 02:37 PM   #5
Ron_L's Avatar
Join Date: 12-09-04
Location: Chicago 'Burbs

I saw the pictures on Facebook, Bill. I'm glad that no one was hurt.

This is good advice. Our renewal paperwork was handy so I checked and mine is covered (which is what I thought, but i checked anyway).
"Ron Rico, Boss. You can call me Captain Ron..."

BBQ Brethren Chicago Area Picnic planning is underway! Your input needed!

The Naked Fatty!

3x Hunsaker Cans/Southern Q Limo Elite Gravity Fed/FEC-100/Memphis Pro SS/PBC/LBGE X 2/SBGE/Mini BGE/Good-One Model 42/WSM X 2/Cookshack Smokette 008/Weber Performer/Saber Cast 500/Weber Kettle X 2/Weber Smokey Joe/WGA/BS Pizza Oven
Ron_L is offline   Reply With Quote

Old 12-28-2010, 03:35 PM   #6
is One Chatty Farker
billm's Avatar
Join Date: 03-08-06
Location: Roselle Il

I think mine cost like an extra 20 bucks or so on my current policy for a 5x8 enclosed..
i insured it before I even took it on the road
Extended Backwoods Party
Backwoods Chubby

Alveron Cooker
Weber 26.75 inch Kettle & Summit Gold gasser
Cypriot Grill & Optimal Automatics Party Que
billm is offline   Reply With Quote

Old 12-28-2010, 04:07 PM   #7
Full Fledged Farker
Bones's Avatar
Join Date: 10-29-08
Location: Bartlett, IL
Default Insurance

I think my insurance is $18.00 every 6 months. I was told my home owners insurance covers the contents of the trailer even if it is stored in an offsite lot. I hope I never ahve to find out.
Bones is offline   Reply With Quote

Old 12-28-2010, 04:50 PM   #8
Smokin Mike
is One Chatty Farker
Smokin Mike's Avatar
Join Date: 09-06-07
Location: St. Johns, FL

wow, sorry for your lost, and thanks for passing it along.

I called my insurance company when I got my trailer, and he said when I hook it up to my truck, it's covered. I never gave it another thought. I will call tomorrow to get it insured by itself.

Thanks Again.
Disco Pigs competition team
Yoder 640, 1320
UDS x2
FEC-100 x2
Traeger 124

Smokin Mike is offline   Reply With Quote

Old 12-28-2010, 06:41 PM   #9
is Blowin Smoke!
Ford's Avatar
Join Date: 04-14-07
Location: Lakeland Florida

Mine is a vending trailer and is isnured for $35K and includes the equipment inside. It costs around $500 a year in MI.

For those that have a basic trailer coverage, it doesn't cover contents. Contents up to $1500 in your car/truck are covered but not sure about stuff in a trailer. I'd suggest people also look at insuring the contents.
Retired competition cook. BBQ mentor.
Ford is offline   Reply With Quote

Old 12-29-2010, 10:24 AM   #10
is Blowin Smoke!
WannaBeBBQueen's Avatar
Join Date: 07-17-06
Location: Wantagh, NY

So sorry Bill, we learned this the hard way too. I had even spoken to our broker who said it was covered by my truck insurance when in tow and my homeowners when in my driveway...WRONG!!

Please everyone check make sure you have the proper coverage...we lost a 25,000 trailer with no ability to recoup any of it.

Bill we were lucky the truck did not go with it.


@ mike - get that fixed!! it is wrong it is NOT covered.
"It is better to have burnt and lost, then never to have barbecued at all"
Swamp Pit BBQ
KCBS Member
Charbroil Bandera
Charbroil Silver Smoker/Grill
Weber Kettle 18 & 26
WSM 18 1/2
Kamado 18"
FEC 100

*the views of the user Skip (The Prince Consort) do not necessarily reflect those of
WannaBeBBQueen is offline   Reply With Quote

Old 12-29-2010, 09:24 PM   #11
Johnny Ca$h
Full Fledged Farker
Johnny Ca$h's Avatar
Join Date: 09-28-10
Location: Richfield,oh

wow that sucks about the insurance,Glad to see your ok I drive 18 wheeler year round and BLACK ICE is what I fear most
Johnny Ca$h is offline   Reply With Quote

Old 12-29-2010, 11:13 PM   #12
is one Smokin' Farker
Join Date: 10-09-07
Location: carthage,mo.

Not trying to be a smart a--, but everything one has on the road in our name needs to be declared to an agent.I was changing policies recently and the first one contacted told me he figured a commercial policy because of signage on my van advertising my services. Luckily he saw this.That would have voided my coverage with previous company because they did'nt care to ask, and wrote a residential policy.Steve.
ssbbqguy is offline   Reply With Quote

Old 12-30-2010, 09:27 AM   #13
somebody shut me the fark up.
Divemaster's Avatar
Join Date: 09-23-07
Location: North Side of Chicago Illinois

Number 1, I'm glad you're OK!!! I'm also sorry you're having to go through this.

I too haad my trailer (6x10) covered as soon as it got home. I think it's running me a total of $17.00/6 months.
CBJ# 23376
Stockcar BBQ
Race Fast, Cook Slow, and Enjoy Life!
If it don't come off a smoker, it's just a side dish!

Lang 60 Patio (The Mistress), Black Stainless Lang 36 (Little Princess), Large BGE (Ramona), Big Green UDS (Cottage Cooker), Brinkman SnP Pro (Little Bubba-Retired), 8 Burner Gasser, 3 - 22.5" & 1 - 18" (circa 1975) Weber Grills, & a Weber Smoky Joe.
Divemaster is offline   Reply With Quote

Old 12-30-2010, 11:03 AM   #14
Full Fledged Farker
Join Date: 12-10-07
Location: Roseville, CA

If you are using the trailer in your catering operation you can probably get the value of the trailer and it's contents added to your commercial liability policy. Each carrier is different so you need to sit down with your agent and review. If you agent says it is covered without adding any premium you need to get a letter from the agent stating that so if he is wrong you can get covered by his errors and omissions policy. It is really important to get an agent you can trust, not just the guy who has the cheapest insurance rates.
PorkQPine is offline   Reply With Quote

Old 12-30-2010, 01:29 PM   #15
Full Fledged Farker
Shotgun's Avatar
Join Date: 03-12-08
Location: Colo, IA

We a had to send in photos and give the insurance company the replacement value of the internal contents of the trailer. Glad your Ok and sorry to hear about the misfortune.
Smokehouse 72 Competition cooking team
Good One Marshall
Weber Kettle
Shotgun is offline   Reply With Quote


Similar Threads
Thread Thread Starter Forum Replies Last Post
First try @ meatloaf (some (read: 2) drunk (read: blurry) PRON) danparker77 Q-talk 11 11-05-2011 06:52 AM
PLEASE READ - Important Throwdown Announcement - PLEASE READ bigabyte BBQ Brethren Throwdowns 52 08-25-2011 10:10 PM
Equipment in concession trailers smokinmikes Catering, Food Handling and Awareness 7 08-01-2011 07:57 PM
Trailers? backporchbbq Q-talk 4 03-20-2008 03:17 PM
Trailers, Trailers and more Trailers. BBQchef33 Competition BBQ 33 02-20-2007 02:03 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.

All times are GMT -5. The time now is 04:09 PM.

Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2017, 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