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Firewood Liability Insurance

Discussion in 'Business Management' started by Tenderfoot, Nov 20, 2016.

  1. Tenderfoot

    Tenderfoot ArboristSite Operative

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    How much insurance would you guys get for just delivering wood? I feel almost silly asking but it seems like a really good idea to get some coverage just in case.
     
  2. pro94lt

    pro94lt Addicted to ArboristSite

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    Half a million is probably the minimal. It's not silly at all, it's smart. My concern would be driveways, irrigation systems (sprinklers) and the falling wood pile that you stacked... green wood could open another can of worms.
     
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  3. Tenderfoot

    Tenderfoot ArboristSite Operative

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    Thats what I was feeling. Its probably going to be $5k for the year, sadly. Gonna hurt but be worth it.
     
  4. DR. P. Proteus

    DR. P. Proteus Addicted to ArboristSite

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    If you just put the truck on a commercial policy you should be fine... although stacking insurance doesn't kinda make sense.

    I remember going over insurance my first dump truck. Commercial policy for hauling sand, stone and gravel is what they call it I think.
     
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  5. Tenderfoot

    Tenderfoot ArboristSite Operative

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    Can you get commercial insurance if your vehicle is not registered commercial? I cannot park it at my home if it has commercial plates on it.
     
  6. ATH

    ATH Addicted to ArboristSite

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    That will likely be determined in part by State law and insurance provider. In Ohio, yes...you can commercially insure a vehicle registered to an individual. Not sure if all insurers will or not?
     
  7. Ryan'smilling

    Ryan'smilling ArboristSite Guru

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    Yes. At least in my state you can. I have farm plates on my delivery van (vegetables not firewood), but I have a commercial insurance policy on it.

    $5k for a year sounds pretty steep! Our farm policy, which is $1,000,000 I think, is around $1200/year. That covers the buildings, including a home, the equipment, which is minimal, tools, and liability for our produce.

    I can understand a firewood business being a little more, but $5000 is a lot.
     
  8. Tenderfoot

    Tenderfoot ArboristSite Operative

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    I have a sort of kind of semi commercial policy now. My insurance company is aware I use my vehicle to transport my materials too and from work and to transport equipment by trailer. Going to have to amend it for firewood deliveries.
    Automotive insurance+General liability adds up to $5k a year for me, but I am also under 30, male and have had an accident (not at fault). I think I should really expand into mowing as well. Be a fairly inexpensive way to make some extra $.
     
  9. fireemt799

    fireemt799 ArboristSite Lurker

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    Are you delivering and only hauling split wood? A lot of insurance companies will classify rounds as logging and charge you a much higher rate. If you only deliver a split, finished product tell your insurance company that and you should get a lot lower rate.
     
  10. ValleyFirewood

    ValleyFirewood Addicted to ArboristSite

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    Not sure why you'd need inuance beyond what is needed fir the truck.
     
  11. Ryan'smilling

    Ryan'smilling ArboristSite Guru

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    If you back over someone's fence/dog/girlfriend. If you throw a split through someone's window. And on and on.
     
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  12. Tenderfoot

    Tenderfoot ArboristSite Operative

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    Yeah, to hell with that delivering unsplit wood. Around here you have to give that away. No money in it. So far I have called 3 insurance companies and none will cover me as 'we don't do that' or I do 'do not have enough relavent experience'.
    Workmans comp+liability insurance. My health insurance will not cover me if I am injured at work and I live in a sue happy area.
     
  13. Sandhill Crane

    Sandhill Crane AS Member

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    Call Progressive. Our home owners was canceled when I added the wood splitter for theft, so we switched to them for the commercial truck, business, personal cars and home.
     
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  14. fireemt799

    fireemt799 ArboristSite Lurker

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    I had progressive and was paying over $2,200 a year for full coverage with million dollar liability. They started cheap but went up substantially each year. I went to state farm and only paid $800 a year for better coverage because they classified it as a delivery truck not logging. In 3 years it never went up in price until I cancelled it as the truck, an 02 F450 flatbed, was no longer in my possession. Never get in business with anyone
     
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  15. Tenderfoot

    Tenderfoot ArboristSite Operative

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    Good to know. Stuff is a pain in the ass getting coverage.
     

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