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Insurance Question Berkshire vs Progressive

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

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  1. Oct 3, 2018 #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
    roadslave201, Oct 3, 2018
    #1
    DSK333 Thanks this.
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  3. Oct 3, 2018 #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
    cprems, Oct 3, 2018
    #2
  4. Oct 3, 2018 #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
    roadslave201, Oct 3, 2018
    #3
    JB3, Mattflat362, Moephilly1 and 2 others Thank this.
  5. Oct 3, 2018 #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
    roadslave201, Oct 3, 2018
    #4
  7. Oct 3, 2018 #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
    Rubber duck kw, Oct 3, 2018
    #5
    roadslave201 Thanks this.
  8. Oct 3, 2018 #6
    roadslave201

    roadslave201 Bobtail Member

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    Oct 3, 2018
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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
    roadslave201, Oct 3, 2018
    #6
  9. Oct 3, 2018 #7
    DSK333

    DSK333 Road Train Member

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    Pennsyltucky
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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
    DSK333, Oct 3, 2018
    #7
  10. Oct 3, 2018 #8
    DUNE-T

    DUNE-T Road Train Member

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    May 10, 2015
    Detroit, MI
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    Berkshire, way better than Progressive. I had them when I started
     
    DUNE-T, Oct 3, 2018
    DUNE-T, Oct 3, 2018
    #8
    roadslave201 Thanks this.
  11. Oct 4, 2018 #9
    win-some-loose-less

    win-some-loose-less Medium Load Member

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    Apr 19, 2010
    Mount Vernon tx
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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
    win-some-loose-less, Oct 4, 2018
    #9
    roadslave201 Thanks this.
  12. Oct 4, 2018 #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
    loudtom, Oct 4, 2018
    #10
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