Just get a voluntary damage to property rider added for xxxx amount. Insurance companies can do that if need be.
Erie doesnāt write in Missouri.
Liberty Mutual
but travelers covers it too
Heard that voluntary property damage is the same as CCC. Is that true? Here is a list of the coverages Iāve been quoted.
From my understanding it is, it pays for what you damage while working or your workmanship.
Iād ask what the difference is between āaggregateā vs āoccurrenceā. And depending on the definition, Iād up the āoccurrenceā amount. If you mess up a deck or a driveway, youāre looking at way more than $5k.
Occurrences is per incident. Aggregate is the max amount that they will pay and that premium year. So if you had 5 claims and those 5 accidents / occurrences cost $5000 each, you used all $25,000 aggregate for the year. That also means you probably shouldnāt be pressure washing anymore and your insurance would probably drop you lol
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Iām in Illinois as well. Who is your insurance through?
Who is your insurance through? Iām in Florida and looking for insurance now. Thanks
He hasnāt been online in a little while, since summer that I recall.
@DSJ1 and @Stealthbobber06, Marine has Auto Owners as his carrier. Just see if your agent can get a quote through Auto Owners if thatās who you want as your carrier.
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I have auto owners as well. Not for business, they were too high for me personally, but for my truck and trailer.
Who did you end up picking for business and how much? You would just have GL as you donāt have employees right?
Joseph Walters. They donāt allow walking of the roof but Iām fine with that. Erie doesnāt serve MO and no other company I spoke to knew what CCC was so. Correct no employees. Sole proprietorship here
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Pretty sure Erie covers SC, have you given them a call? I couldnāt be happier with my coverages and rate
Edit: nevermind, I just read Racerās post from awhile back. They donāt cover SC. My bad
Not walking the roof wonāt work for me. Window cleaning requires getting on the roof sometimes, and that is still my bread and butter. Iām glad you found someone that works for you!
Iām currently with Auto Owners as I was getting quotes for 3k since I use a wfp above 50 ft, and the other companies didnāt care that it wasnāt me at that height, just the pole. Auto owners customer wrote a policy for 1100 that said I couldnāt be higher than 2 stories, but my pole could be as high as I want. Iām waiting on a quote now, and Iām hoping itās not through the roof for GL, workmans comp, and auto for pw and wc.
@Jake_Lambert, too bad Erie doesnāt service SC. I was going to try to call them for a second quote.
Edit-that amount is just window cleaning. Double what I paid up to 4 floors, but not 3k at least. When I started last year my agent put my policy on pw as an as use basis, so basically Iāll pay the premium come June based on how much pw Iāve done.
Well since weāre on the topic of insurance lately, once auto owners found my booboo back in 2018 going 122 on the highway( had a sports car then), they declined meā¦ so now Iām on the hunt for commercial auto insurance again on the truck and trailerā¦ sigh.
Anyone have a good person or company that serves MO?
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Must not have been much of a sportscar if you were only doing 122, LOL.
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Letās just say that was when I was slowing down lol. I really got lucky. Couldāve been much worse
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