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Who do you have insurance through?

Diggernh

Member
Joined
Dec 8, 2020
Messages
14
Location
nh
Trying to find someone to cover my small excavator for trailering and while its off my property. Im not in the business, and dont make money with it. But the reality is it may go to my brothers house, or parents, or possibly a friends. I am not looking for information on why I should have a full blow commercial insurance plan. I realize the inherant risk of breakign something at someone's house and I am okay with that.....But want to make sure I am covered if I role it, or burns, or gets into an accident while I am trailering it somewhere.

I appreciate the help. The machine is a Case CX36b
 

Birken Vogt

Charter Member
Joined
Nov 30, 2003
Messages
5,305
Location
Grass Valley, Ca
Whoever my broker says. Life is too short to look through hundreds of different insurance companies, that's the broker's job. He also handles all the paperwork and payment.
 

John Canfield

Senior Member
Joined
Apr 27, 2009
Messages
431
Location
Texas
Occupation
Ranching
While the trailer is behind your truck, your vehicle insurance covers the tow according to my insurance agent. Ask yours about tow coverage.
 

CM1995

Administrator
Joined
Jan 21, 2007
Messages
13,250
Location
Alabama
Occupation
Running what I brung and taking what I win
Whoever my broker says. Life is too short to look through hundreds of different insurance companies, that's the broker's job. He also handles all the paperwork and payment.

This above. Your insurance agent/broker is making money on you and it's their job to provide you with policies that cover what you need. If they can't do that for you then get another agent - capitalism is awesome.:)
 

Diggernh

Member
Joined
Dec 8, 2020
Messages
14
Location
nh
I ended up speaking to my insurance agent and they claim the mini would not be covered for comprehension while on the trailer just liability if it hurt someone. Not sure I agree with that so need to pull my actual paperwork and check.
 

suladas

Senior Member
Joined
Jun 30, 2016
Messages
1,731
Location
Canada
That's interesting. I have comprehensive on my trucks and trailers, but all equipment is fire theft only, then general liability obviously. I'm assuming the trailer insurance would be the one covering what you're hauling? And why it's so much more if you're hauling someone else's stuff.

As far as trusting the broker, yea I know I don't. My broker is awful, and I detail any coverage/changes I want over email so I have in writing what I want incase anything ever happens, ran into that with my stolen truck last year and the emails saved me even though the policy didn't have the coverage they still covered it. Or the time I only had fire theft on my dump truck for 6 months because they screwed up but I was safe because I had emails saying what coverage on it. I don't trust my broker at all, and I don't think it's wise to trust their word over the phone unless you know them really well and they've been really knowledgeable or it could come back to haunt you.
 
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