Replies

1. 
   MikeSmith | Jan 03, 2009 10:02pm | #1

   i'd shop... might find an agency that can package  your commercial auto,  GL,  umbrella

    and  reduce your overall rates

   look for an agency that specializes in   contractors

   Mike Hussein Smith Rhode Island : Design / Build / Repair / Restore
2. 
   Oak River Mike | Jan 03, 2009 10:32pm | #2

   Yeah, I agree with Mike, shop it.

   However, last year when I tried to find someone who would upgrade my policy to a higher coverage amount, I really had trouble finding someone.  All the agents told me they don't like writing policies for one man shows who sub out their work as the liability from the subs is too much risk.

   Not sure how accurate that was but when I did find someone, my annual premium is quite high! 

   Mike

3. 
   JeffinPA | Jan 03, 2009 10:35pm | #3

   Hey old blue.

   I'm over on the other side of the river and getting ready to shop my policy.

   I have Harleysville right now and they have been fine but I now need commercial auto and need to make sure I am getting the best bang for my buck.

   I know state to state can vary but we might be able to share info.

    

   [email protected]

1. 
   MikeSmith | Jan 03, 2009 11:04pm | #4

   before i wound up with my current agent  (  current for about the last 15 years )

   i had  WC with one guy

   GL with another..

     auto with another

   no umbrella

   no tool coverage

   no office coverage

    this agency  put it all under one carrier  and my savings the first year was about $5k....( about 1/3 )  we were doing  about $500 K volume then and i  had about 4 guysMike Hussein Smith Rhode Island : Design / Build / Repair / Restore

1. 
   JeffinPA | Jan 03, 2009 11:41pm | #5

   I'm adding auto and re-bidding the whole thing as a package.

   I will be going back to my current carrier and see if they have the best program or not.

    

   I'm ok with them as long as they are a good value and there is only one way to find out.