Insurance Question Berkshire vs Progressive

Discussion in 'Ask An Owner Operator' started by roadslave201, Oct 3, 2018.

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  1. roadslave201

    roadslave201 Bobtail Member

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    I have received 2 quotes for my new Authority, one from Progressive and the other Berkshire Hathaway the quotes are within two hundred dollars of each other. Does anyone have a preference over either one of these companies?
     
    roadslave201, Oct 3, 2018
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  2. cprems

    cprems Light Load Member

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    Does the quote include workers comp? Gen liability and umbrella coverage? We're having a hard time finding workers comp quotes that aren't as high as the new authority itself.
     
    cprems, Oct 3, 2018
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  3. roadslave201

    roadslave201 Bobtail Member

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    No workers comp. No umbrella. 1 million liability, physical damage,$1000 deductible, 100,000 cargo, 1 million general liability.All quotes so far are under or near $9000.00 year. Not sure if this matters but 30 years driving no tickets and credit scores between 750-800
     
    Last edited: Oct 3, 2018
    roadslave201, Oct 3, 2018
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  4. roadslave201

    roadslave201 Bobtail Member

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    I wasn't going to get workers comp i am just a one man show. My state doesn't require it. I wonder how many Independent owner operators have workers comp?
     
    roadslave201, Oct 3, 2018
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  5. Rubber duck kw

    Rubber duck kw Road Train Member

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    Not very many I know of have workers comp, in fact none of them.
     
    Rubber duck kw, Oct 3, 2018
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  6. roadslave201

    roadslave201 Bobtail Member

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    Thank you for bringing that to my attention, I will call my agent tomorrow. I was surprised how reasonable the quotes were, well $8,800 is nothing to write home about but I have been reading horror stories on here and other forums of premiums twice what I have been quoted so far
     
    roadslave201, Oct 3, 2018
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  7. DSK333

    DSK333 Road Train Member

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    Berkshire is writing policies for new authorities now? Seems they're playing the pick and choose game just like Progressive does. When I was shopping around it Hathaway was refusing new entrants.
     
    DSK333, Oct 3, 2018
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  8. DUNE-T

    DUNE-T Road Train Member

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    Berkshire, way better than Progressive. I had them when I started
     
    DUNE-T, Oct 3, 2018
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  9. win-some-loose-less

    win-some-loose-less Medium Load Member

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    I don’t have workers comp but do have a occupational accidental.. it’s more reasonable than workers comp..
     
    win-some-loose-less, Oct 4, 2018
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  10. loudtom

    loudtom Road Train Member

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    You can make your own certificates online 24/7 through Progressive. I'm not sure if Berkshire offers that. It's pretty useful for weekend and after hours loads if your agent isn't available.
     
    loudtom, Oct 4, 2018
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