Insurance costs

[bindian]

So a great way to educate yourself is go to a plummer to explain complex insurance policies. That way you will get 100% opinion and insufficient information so you can make a really stupid decision. I know when I have a medical question I would always ask my bodyshop first, because they always know exactly what I will need.

If I sound sarcastic, maybe you can understand why. If you want real information, go ask someone who knows what they are talking about, not the plummer or doctor about insurance. Trying to get an idea of cost from anyone outside your zipcode, especially Texas, since they have unique insurance laws is a waste of time.

Y'all are assuming way too much. I did not ask input from agents. This is a construction thread on a tractor forum. I am asking for business owners who have existing policies that will tell me the name of their insurance company so I can start the process of finding an insurer. Why talk to insurance companies that don't know the difference from a backhoe and a box blade and do not cover construction anyway? When I bought my first tractor, I had an Allstate truck and homeowners policy. I asked the agent for a fire and theft quote on the tractor. He called me back, laughing, with a quote saying the underwriter wanted to know if it could go over 70 mph. I kid you not. I just want the companies names that are actually insuring businesses like I want to get into. I never said it was a landscaping business. I never said I was soliciting policies outside of Texas. I never said I was upset. So don't get Y'all's panties in a knot because I do not want agents input.....here. Again, all I wanted is insurance company names that deal with folks that dig in the dirt....................and issue policies in The Grand Republic of Texas.:us-texas:
Brandi

 

[Storm56]

So a great way to educate yourself is go to a plummer to explain complex insurance policies. That way you will get 100% opinion and insufficient information so you can make a really stupid decision. I know when I have a medical question I would always ask my bodyshop first, because they always know exactly what I will need.

If I sound sarcastic, maybe you can understand why. If you want real information, go ask someone who knows what they are talking about, not the plummer or doctor about insurance. Trying to get an idea of cost from anyone outside your zipcode, especially Texas, since they have unique insurance laws is a waste of time.

This is a bit more harsh than what I was going to reply, but we think alike.

 

[kootch88]

Y'all are assuming way too much. I did not ask input from agents. This is a construction thread on a tracotor forum. I am asking for business owners who have existing policies that will tell me the name of their insurance company so I can start the process of finding an insurer. Why talk to insurance agents that don't know the difference from a backhoe and a box blade (excluding Y'all)? When I bought my first tractor, I had a Allstate truck and homeowners policy. I asked the agent for a fire and theft quote on the tractor. He called me back, laughing, with a quote saying the underwriter wanted to know if it could go over 70 mph. I kid you not. I just want the companies names that are actually insuring businesses like I want to get into. I never said it was a landscaping business. I never said I was soliciting policies outside of Texas. So don't get Y'all's panties in a knot because I do not want
Y'alls input.
Brandi

Peerless Insurance. Of course you will have to call a dreaded agent to get coverage from them.

 

[meburdick]

So don't get Y'all's panties in a knot because I do not want
Y'alls input.

I'm sure that "us all" will keep that in mind for future threads.

 

[Storm56]

I'm sure that "us all" will keep that in mind for future threads.

Well said...

 

[bindian]

Peerless Insurance. Of course you will have to call a dreaded agent to get coverage from them.

Thanks Kootch88! Do they have dreaded agents in Texas?
hugs, Brandi

 

[kootch88]

We have lots of them actually. All over the state, but I do not believe they are writing this type of commercial coverage in Texas. I am with State Farm so I am responding about what we do in the state, not Peerless.

 

[lilranch2001]

but.... but.... but......
ifn she wants the name of an insurance company, isn't she going to HAVE to speak to one of those dreaded agents sooner or later?

I am even more :confused3: now

Maybe she will get Spock to do a mind meld.........

 

[kootch88]

but.... but.... but......
ifn she wants the name of an insurance company, isn't she going to HAVE to speak to one of those dreaded agents sooner or later?

I am even more :confused3: now
Maybe she will get Spock to do a mind meld.........

I deleted my last post, it was not very nice. Best of luck to you Brandi, but do contact an agent so you can get intelligent information instead of a bunch of general information.

 

[bindian]

I deleted my last post, it was not very nice. Best of luck to you Brandi, but do contact an agent so you can get intelligent information instead of a bunch of general information.

Kootch88
I am already in contact with one. I will look into Peerless. Thanks.
hugs, Brandi

 

[bindian]

I deleted my last post, it was not very nice. Best of luck to you Brandi, but do contact an agent so you can get intelligent information instead of a bunch of general information.

Kootch88
I am already in contact with one. I will look into Peerless. Thanks.
hugs, Brandi

 

[bindian]

I'm sure that "us all" will keep that in mind for future threads.

Meburdick,
Are you an insurance agent also? I was referring to the agents. One thing I noticed in all these replies is that all the piling on was done by Yankees.
hugs, Brandi

 

[kootch88]

Meburdick,
Are you an insurance agent also? I was referring to the agents. One thing I noticed in all these replies is that all the piling on was done by Yankees.
hugs, Brandi

When someone admits they don't want informed information and would rather get ignorant opinions, piling on is inevitable, regardless of where you are from. By the way, I lived in Houston, Dallas and Kemah for 18 years of my life as well as Germany, NY, and most of New England too. I'd say in my case the piling on was pretty well rounded geographically. Hugs, John

 

[kootch88]

duplicate. Is anyone else having issues making posts today?

 

[Storm56]

When someone admits they don't want informed information and would rather get ignorant opinions, piling on is inevitable, regardless of where you are from. By the way, I lived in Houston, Dallas and Kemah for 18 years of my life as well as Germany, NY, and most of New England too. I'd say in my case the piling on was pretty well rounded geographically. Hugs, John

And I lived in Texas and Florida, as well as Missouri and PA. Guess I am somewhat rounded too!

Forgot to mention that I have owned heavy equipment and tractors since 1984. I still own a 2007 Dressta dozer to maintain and improve my property. I did all my own excavating, ditch work, electrical, septic sysytem, land clearing etc on the last two buildings that I built, one was my office, the other is my current home. I am still improving my property and enjoy food plotting. I had more than a small hand in the construction of my office and current home as well as several outbuildings. I worked in electronics as a field service engineer for over 10 years too.

Darn those stupid inurance agents! How could I have been one for the last 23 years and owned an agency for the last 22??

 

[Bob Rooks]

Go here:

Texas.gov | Results

Maybe you have already done this, disregard if you have.

 

[cowpatty]

Kootch88:

I encourage you to go back and read some of your post and put yourself in the shoes of a potential customer or your boss. You portray a very unprofessional image and have been close to rude on this thread. In my opinion, you should have opted out of posting a few posts back and saved some of State Farm's image.

Brandi, I use Okla. Farm Bureau. Oh and good luck on your insurance quest and happy digging to you!!

 

[kootch88]

Kootch88:

I encourage you to go back and read some of your post and put yourself in the shoes of a potential customer or your boss. You portray a very unprofessional image and have been close to rude on this thread. In my opinion, you should have opted out of posting a few posts back and saved some of State Farm's image.

Brandi, I use Okla. Farm Bureau. Oh and good luck on your insurance quest and happy digging to you!!

You are probably right cowpatty, but her disregard for informed information was also mind boggling. I own my agency, so I am the boss, but customers who disregard information like that I refuse to do business with because they are trouble not worth having. Please accept my apology bindian. I really do wish you no ill will.

 

[Bob Rooks]

I seriously doubt if you will be able to get insurance directly from an underwriter, that's why there are commissioned agents/brokers - they represent many different underwriters in most cases. Disregard these links if you've been there before.
For your perusal and comparison purposes:
Excavation Insurance
General Liability Insurance for Contractors
Contractor Insurance - California, Texas, Arizona, Florida, Colorado

 

[lilranch2001]

I have camped at Stone Mountain, does that mean I am less Yankee ish?