Finally!!!

I

imported_ajbarnes

New member
I finally got business insurance!



After all this time, I finally found an insurance company and get a premium I can afford! You would not believe how long and how much of a headache it was trying to get insurance. :hairpull The premium I got is alot more expensive than some of the one's you guys have but having insurance is more important to me and my business than how much it cost...just as long as the price wasn't ridiculous. BTW, the policy is for $2,000,000 with a few other options and is around $2,000 for a year.



Now, I can go have fun preparing and setting up my new trailer I have on the way. :spot
 
HomicidalSloth said:
Congrats on getting the insurance.



What kind of trailer do you have coming? :)
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Thanks.



I have a Car Mate 4x8 (with an additional 6 inches) black trailer with alot of aluminum! I currently have a 4x6 open utility which I've been using and it works great, but I need something a little bigger and enclosed for security and more advertising space. I would've went for the traditional mobile detailing rig size which is 5 x 8, but I drive a 2.0 liter 4 door Chevy Tracker....need I say more. :nervous2:
 
i almost have the same coverage for $250.00 dollars per year and im not lying. I go through state farm and put my trucks under my business insurance as well. my truck which are a 99 and a 2000 are about 90 bucks a month full coverage.
 
quamen said:
i almost have the same coverage for $250.00 dollars per year and im not lying. I go through state farm and put my trucks under my business insurance as well. my truck which are a 99 and a 2000 are about 90 bucks a month full coverage.
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Quamen, I go through State Farm for my commercial insurance as well. My only advice would be to make sure you're covered for every incident you may encounter. For instance, if you drive a customer's vehicle at any time, for pick up and delivery services or even just to move the car 10 ft. to the middle of a driveway or parking lot, it is not covered under your general liability coverage, but rather Garage Liability. Then, I also had to pick up garage keepers coverage because I'm renting out a shop for the winter so I can continue working year round (cold midwest weather), and this coverage was pretty expensive. My rates went from $420 a year to around $1300 after the other types of coverage were added. However, it is worth the cost as I'm now covered for everything I may encounter. Just something you may want to check on as State Farm didn't fully understand what I initally needed coverage for. Good Luck.



Matt Williams

Silver Lining Detail
 
yeah I dont have the garage keepers insuracnce I assume that is why my policy is so cheap, my other coverage is far beyond what i need if something ever happens to the car. As for moving the car in the driveway a few feet, If i hit something I shouldnt be driving. I always extra careful and go around the car to make sure nothing is under the tires or any kind of walls, plants or customers animals maybe around. But i should look into this beause there seems to alway be a first time for everything.
 
quamen said:
But i should look into this beause there seems to alway be a first time for everything.
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:up



S*** happens, often times more to others but it does eventually come around to all! I know you guys are busy, cover your tail so you don't lose it.



M2C.
 
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