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Commercial insurance

Shane scaife

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Aug 27, 2014
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Shane scaife
Hello,
Just wanted to know if anyone has any suggestions for commercial auto and general liability insurance. I live in NJ and am really having a hard time trying to get quotes!! Any info. Would be greatly appreciated.
Thanks
 

Kevin Dumas

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Aug 31, 2008
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Binghamton, NY
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Kevin Dumas
State Farm has the best commercial rates for me.
And after a few years you get some major discounts.

Multiple line
Multiple automobiles
Accident free

Then there are the vehicle discounts:
Antilock brakes
Running light
Vehicle safety
Annual mileage
 

Dr Cleaning

Well-Known Member
Jun 19, 2008
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Cherry Hill NJ
www.southjerseycarpetcleaning.com
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Neil Lapinson
Shane I'm in South Jersey and having the same issue. My insurance company sent me a letter last week stating that if I don't stop water restoration and structure drying they are going to drop me.
I've been looking around and everyone is saying the same thing
 

A Cleaner Approach

Active Member
Jun 21, 2014
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Northwest Arkansas
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Tim McCullough
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United States
State Farm here in Arkansas will only insure you after you have been in business for 2 years. They gave me the name of another local company that I went with. As soon as my two years are up I will totally switch over to State Farm.
 

Omar

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May 24, 2014
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omar rodriguez
Hello,
Just wanted to know if anyone has any suggestions for commercial auto and general liability insurance. I live in NJ and am really having a hard time trying to get quotes!! Any info. Would be greatly appreciated.
Thanks
Google insurance brokers in your area.
 
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Ralph P

Active Member
Dec 26, 2009
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Utica-Rome New York
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Ralph Pastorelli
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United States
My work trucks and liability are with Preferred Mutual been with them for two years now.
 

keep it clean

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Dec 3, 2012
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Nick
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I use state farm for commercial auto insurance. Very cheap.
But for business liability I use Lilitz Mutual.
 

keep it clean

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Dec 3, 2012
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I recently cleaned a state farm office. And while there I figured I'd get a business policy quote. Girl said real quiet. Go find a broker. It will be cheaper. She also said they were changing there business policies. Told me not to bother with state farm for that.
She told me she recomended her own nephews who own a landscape co. to a couple of brokers in the area. Something about not being covered for snow plowing.
 
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waxman

Well-Known Member
Jun 23, 2008
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Long Island
Real Name
Vincenzo
Business Location
United States
We had travelers write us the took or deposit then told us 30 days later they are dropping us because we cleaned carpets . They said they have to mold complaints with carpet cleaning.

Try nationwide the just quoted us a package deal for our trucks and liability
 

Common janitor

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Apr 5, 2014
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Ed Feil
I recently cleaned a state farm office. And while there I figured I'd get a business policy quote. Girl said real quiet. Go find a broker. It will be cheaper. She also said they were changing there business policies. Told me not to bother with state farm for that.
She told me she recomended her own nephews who own a landscape co. to a couple of brokers in the area. Something about not being covered for snow plowing.
Had the same experience Nick, only different !! LOL !! Lady looked faint when I mentioned stripping floors and waxing !! Thought I might have to call an ambulance !!! LOL !! Alarm bells went off and red lights flashing , scared me too !! LOL !! I'm in the process of calling brokers now. I've been with State Farm for all my insurance since I was 19 (now 60) and they wouldn't even talk about it !!
All the Best,Ed
 
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EmeraldKim

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May 8, 2017
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Emerald Kim
Hello,
Just wanted to know if anyone has any suggestions for commercial auto and general liability insurance. I live in NJ and am really having a hard time trying to get quotes!! Any info. Would be greatly appreciated.
Thanks
Hi Shane I would suggest this site http://coveradvantage.ca/ it provides a quick and easy way to buy affordable liability insurance online.
 

Hoss4x4

Active Member
Sep 25, 2011
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Dennis Graham
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it is amazing how many companies you actually have to call to get one quote. I would go through a local agent and visit their office.
 

jasonpile

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Feb 13, 2019
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Jason Pile
Review your policy carefully to see if there are any elements you don’t need. You don’t want to put your company at risk, but a periodic review of your policy can reveal places you might be able to save money.
 

Scott W

Preferred Vendor
Premium VIP
Feb 14, 2006
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West Jordan, UT
We had commercial insurance made for contractors through the Erie Insurance Exchange, a broker that serves businesses over all the country. Also had good success with Cincinnati Insurance when a franchise I operated at the time had a relationship with them.

David Dybdahl and his daughter Kari are insurance specialists for carpet cleaning and restoration industry. They can make sure you are actually covered for what you need. Surprising how many agents don't really know business insurance but sell it anyway. Some have found they are not covered when they need it.

Dybdahl's work out of Florida. They often write in Cleanfax magazine. I think you can find their contact information there.
 

shokoman

Banned
Nov 29, 2018
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John
Guys, I would also like to clarify about insurance. I had a problem with fog lamps which I needed to solve urgently as I needed to go to another city for work. Needed a replacement and I bought fog lamps on boodmo.com ahhh! I was told that the breakdown was due to problems with the wiring. Can I somehow compensate my expenses with the help of insurance by providing some statement about the purchase and services of the service?
 
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Mar 30, 2010
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jason fisher
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Since this is a older thread that got a bump through a spam post lets talk about what everyone is paying for their insurance.

I have my commercial auto through State Farm and I am paying around $110/month; covers the van, TM and other equipment inside. As far as GL I honestly do not have any right now as I did not renew my last policy I had due to the fact that I had insane high coverage that was needed for a contract and the contract was not renewed. I did get a quote through State Farm a few weeks ago but thought $120/mo was a bit high and need to get more quotes.
 

wandwizard

Randy Dockins
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Nov 12, 2008
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Randy Dockins
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I just had a talk with my agent last week. He told me that the insurance industry as a whole is moving towards not inuring ANYTHING that you work on. In fact, I think they're pretty much that way across the U.S. Are you working on thousands of dollars of stone floor? Not covered. Are you working on a sectional worth 10 grand? Not covered. Are you in a high end home and somehow or other cause permanent damage to their carpet? Not covered. Did you clean an area rug on site and ruin it? Not covered.

I used to have a policy that actually did cover me if I messed something up so it did cover what I was actually working on. I mistakenly thought the policy rate was too high and made a horrendous blunder by going to Geico for GL inurance. BIG MISTAKE!!! So far, the company that handles GL for Geico is about the worst I've ever talked to and will never do so again. The company I was with before now no longer even offers coverage on what you are working on.

I'm looking in to the possibility of adding some kind of Bailee's insurance. I have turned work down in the past because I am unwilling to take the risk involved in cleaning it even though I'm pretty good at what I do. I have also stopped allowing anything to be brought to my home unless it's something that has only a smaller value in the first place. If I understand things correctly, even Bailee's won't cover you if you mess of an expensive rug or piece of upholstery you do it at your home. Am I wrong? Maybe you know more than my agent because that is exactly what he told me last week.

Interesting side note. My agent told me that it is standard practice to add Bailee's to ALL dry cleaners policies, but it's only for like 2,500 dollars in case they mess up an expensive garment. I don't do a lot of extremely expensive rugs or furniture, but I told my agent I'd at least like some coverage for items costing thousands of dollars. As best I can tell Bailee's may be the only recourse.
 
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Scott W

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Feb 14, 2006
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West Jordan, UT
David Dybdahl and his daughter Kari write for the trade magazines and advertise there. They are specialist in insurance for our industry.
 

Scott W

Preferred Vendor
Premium VIP
Feb 14, 2006
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West Jordan, UT
Guys, I would also like to clarify about insurance. I had a problem with fog lamps which I needed to solve urgently as I needed to go to another city for work. Needed a replacement and I bought fog lamps on boodmo.com ahhh! I was told that the breakdown was due to problems with the wiring. Can I somehow compensate my expenses with the help of insurance by providing some statement about the purchase and services of the service?
Not likely. The requirement for any event to be covered by insurance is sudden and unexpected. They will probably say that damage to the wiring was a maintenance issue and may have happened gradually. Also if you installed the fog lights, you caused the problem. They won't pay for that just as they would not pay if you had fired insurance and burned your own building down.