Insurance for leased equipment

[Coastal Gun]

I am leasing a kiln from i dry.  Part of the lease is getting the kiln insured. I have one company working a quote but its only smart to get other quotes.  Does anyone know of an insurance carrier that will insure kilns?

Thanks.

[Ianab]

Got any local independent insurance brokers? They are usually the Go To for non-mainstream polices. 

[ellmoe]

We used Auto-Owners , don't know if they are in your state.

[metalspinner]

We started using an insurance broker for our personal insurance needs. It's their job to find and organize many the different insurance company options for us. They also review our needs each year and look for new options then give us suggestions. 

And if I have a question regarding a claim, I call the broker first. 

What turned us onto a broker Rather  than a captive agent?

Before we had a broker, We had our homeowners dropped because I called and asked a question about whether or not we should file a claim. That's it. Just called and asked our local agent. 

I think a broker would be your best insurance friend you can have. 

[YellowHammer]

100% dead on - get an independent but still "plugged in" insurance broker.  

Business umbrella, personal umbrella, business liability, private vehicle, commercial vehicle, personal liability, end product user liability, mold liability, commercial fire, personal property fire, farm property, commercial equipment, farm equipment, etc.  It's too much for a single insurance company, and none of the ones on TV will touch half of these.  

Are you drying for business, does money exchange hands?  Then product liability umbrella would be important.  Also what about bugs, mold, allergies?  Been there done that.   Better have  those in your end product liability coverage.  What if you ruin someone's else's load?  What if you ruin your own?  What about breakdown or lost time insurance?

Among others, I use Pennsylvania/Indiana Lumbermans Insurance for much of  the sawmill and business coverage.

  

[customsawyer]

I always said "if I fail at this sawing thing I'm going to sell insurance". As long as there are laws saying everyone has to buy my product than I should be okay. It's like passing a law that everyone has to have 500 2x6x16 on hand in case they need them. If they don't use them in a year they have to throw those away and buy 500 more. I think I could sell some 2x6x16 with a law like that in place.

[barbender]

Shoots, I'd go with Insurance by Jake!