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Insurance question for you independent o/o’s

Discussion in 'Ask An Owner Operator' started by bamanation, Oct 2, 2021.

  1. Oct 2, 2021 #1
    bamanation

    bamanation Heavy Load Member

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    Muscle Shoals ,AL
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    I haul flatbed freight and have a quote from progressive that I can live with. When I get my policy I see they have steel listed instead of metals all kinds. They have lumber and machinery also and then “other Miscellaneous.” Now Will other Miscellaneous cover aluminum as I haul aluminum coils a lot or do I need to call them back and get very specific with them? We all know how insurance companies will be in the case of a claim. Just looking for opinions from you guys that have been doing this on your own.
     
    bamanation, Oct 2, 2021
    bamanation, Oct 2, 2021
    #1
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  3. Oct 2, 2021 #2
    shooter19802003

    shooter19802003 Road Train Member

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    I would just call them for clarification. Atleast that way you are getting info from them.
     
    shooter19802003, Oct 2, 2021
    shooter19802003, Oct 2, 2021
    #2
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  4. Oct 2, 2021 #3
    Dino soar

    Dino soar Road Train Member

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    Always always call the insurance company and double-check with them triple check with them make sure anything that you are hauling is covered. Also make sure that the Commodities that you are hauling are listed for FMCSA.

    With that being said when I inquired about pulling a low bed they pretty much had told me all of that is kind of group together like lowbed Machinery flatbed Steel Etc but call them and triple check and make sure that you're covered.
     
    Dino soar, Oct 2, 2021
    Dino soar, Oct 2, 2021
    #3
    bamanation Thanks this.
  5. Oct 2, 2021 #4
    ProfessionalNoticer

    ProfessionalNoticer Road Train Member

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    This is a question only your agent can answer.
     
    ProfessionalNoticer, Oct 2, 2021
    ProfessionalNoticer, Oct 2, 2021
    #4
  7. Oct 2, 2021 #5
    Midwest Trucker

    Midwest Trucker Road Train Member

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    Maybe just switch it to freight of all kinds so you don’t have to worry about it? You’ll make more money feeling the freedom to haul anything. IMO.
     
    Midwest Trucker, Oct 2, 2021
    Midwest Trucker, Oct 2, 2021
    #5
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  8. Oct 2, 2021 #6
    RunningAces

    RunningAces Road Train Member

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    It's easy to call Progressive and change what you're rated for as well. I've done it several times and never had any issues.
     
    RunningAces, Oct 2, 2021
    RunningAces, Oct 2, 2021
    #6
    bamanation Thanks this.
  9. Oct 2, 2021 #7
    bamanation

    bamanation Heavy Load Member

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    Jan 22, 2009
    Muscle Shoals ,AL
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    Just trying to cover myself. Talking with progressive I asked them to list metals all kinds. After getting a definition of what a metal is. According to progressive Aluminum isn’t defined as a metal. But they have assured me that what is listed is nothing but what I will be hauling mostly. They were clear that I’m over thinking it and I’m covered. Aside from what would be your normal exclusions. Never knew raw copper would be excluded but I don’t haul that anyway I was surprised by that though.
     
    bamanation, Oct 2, 2021
    bamanation, Oct 2, 2021
    #7
  10. Oct 2, 2021 #8
    Midwest Trucker

    Midwest Trucker Road Train Member

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    Raw copper is like golds sibling anymore. High dollar.
     
    Midwest Trucker, Oct 2, 2021
    Midwest Trucker, Oct 2, 2021
    #8
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