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Author Topic: insurance  (Read 2862 times)

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Offline alabama

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Re: insurance
« Reply #20 on: February 07, 2017, 10:38:34 PM »
You can't insure transport insurance for a specific date ? Contact a under writer?
John 15:13
Greater love has no one than this: to lay down one’s life for one’s friends.

Offline garyfg

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Re: insurance
« Reply #21 on: February 07, 2017, 10:42:12 PM »
would not insure period

Offline alabama

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Re: insurance
« Reply #22 on: February 07, 2017, 10:58:14 PM »
I don't get it.
John 15:13
Greater love has no one than this: to lay down one’s life for one’s friends.

Offline garyfg

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Re: insurance
« Reply #23 on: February 08, 2017, 03:34:58 AM »
They will not insure a sawmill for fire and casulity or libility

Offline porcupine

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Re: insurance
« Reply #24 on: February 08, 2017, 02:36:59 PM »
You guys had me second guessing myself about my insurance coverage...so I contacted my FB agent this morning. I received and email and had some follow up questions.

His answer to my LT50 being transported is this:
"The sawmill is listed as a piece of farm equipment so it is covered in transport."

All my equipment is covered under "Blanket Farm Personal Property"

It's possible that the queries mentioned above were non farm policies.

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Offline paul case

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Re: insurance
« Reply #25 on: February 08, 2017, 03:20:40 PM »
My sawmill is not covered. peoiod.

I was pushed to insure the new mill by my bank. I got it under my homeowners/ farm liability  policy. My agent of 20 years wrote it and took money for it. The big company reviewed the policy and voided it( excluded sawmill and all sawmill related activity or machines) and sent me some of the money back. By this time I had the new one more than half paid off and they didn't make me go shopping so I didn't.

PC
life is too short to be too serious. (some idiot)
2013 LT40SHE25 and Riehl edger,  WM 94 LT40 hd E15. Cut my sawing ''teeth'' on an EZ Boardwalk
sawing oak.hickory,ERC,walnut and almost anything else that shows up.
Don't get phylosophical with me. you will loose me for sure.
pc

Offline garyfg

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Re: insurance
« Reply #26 on: February 08, 2017, 07:24:54 PM »
As I understood my agent new it was a personal use on my farm. I guess in Arkansas I didn't get a break. Really don't care got it home with no problem so as long as a big wind or a thief comes along I will be money ahead

Offline WLC

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Re: insurance
« Reply #27 on: February 08, 2017, 11:07:12 PM »
Should be covered under either your homeowners or you could get an inland marine policy.  If your state requires them to be titled and tagged then you should be able to get insurance for it as a trailer.  It really is a trailer, it just so happens that the only payload it carries is a sawmill.

I have mine under an inland marine policy.  My bank wouldn't let me get away with it being just covered by my homeowners policy even though my insurance company had no problem with it.

BTW, Mine is for personal use only as well, not for hire.
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Offline alabama

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Re: insurance
« Reply #28 on: February 09, 2017, 12:00:21 AM »
@WLC good thinking and I believe you are right on! After all if it's tagged and going down the road it is a trailer.
John 15:13
Greater love has no one than this: to lay down one’s life for one’s friends.

Offline WV Sawmiller

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Re: insurance
« Reply #29 on: February 09, 2017, 09:31:17 AM »
Ala,

  Just because the State requires a tag does not necessarily mean the insurance companies  will see it the same way. You will find a big deciding factor with many insurance companies is whether it is used for personal use or profit. As mentioned above some insurance companies will insure it as a piece of farm equipment if personal use.

   I think many of the insurance companies, especially the ones who refuse to insure a mill, think of it a big old, un-guarded machine like on the Waltons or other old TV shows and movies. They envision loose flopping belts , big exposed spinning circle blades, etc. being run by 3 fingered operators with no teeth I think we all know we are more likely to get hurt turning a log with a cant hook or stacking lumber or slabs by hand than by a modern, well designed band mill.
Howard Green
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Dad always said "You can shear a sheep a bunch of times but you can only skin him once"

Offline garyfg

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Re: insurance
« Reply #30 on: February 09, 2017, 09:36:48 AM »
WV Sawmiller I belive you hit the nail on the head. That's what they think so don't want to take the chance. If they would researce bandmills they would see no more dangerous than a skill saw.

Offline Carson-saws

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Re: insurance
« Reply #31 on: February 12, 2017, 03:38:50 PM »
Paid for a "rider addition" on my truck that helps cover the cost should something happen to the equipment..Because the mill is considered "agricultural equipment" by this insurance company it cost me $13 more on my premium.
Let the Forest be salvation long before it needs to be

Offline WV Sawmiller

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Re: insurance
« Reply #32 on: February 12, 2017, 07:56:43 PM »
Carson,

   Does the rider just cover any damage to the mill incurred while towing it or does it provide coverage once you arrive and disconnect? One way (while towing) sounds like a good deal, if complete coverage all the time sounds like a great deal.
Howard Green
WM LT35HDG25(2015) , 2009 4wd Dodge PU, Kawasaki 650 ATV, Sthil 440 & 441, homemade logging arch (w/custom built rear log dolly), JD 750 w/4' wide Bushhog brand FEL

Dad always said "You can shear a sheep a bunch of times but you can only skin him once"

Offline Glenn1

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Re: insurance
« Reply #33 on: February 12, 2017, 08:33:16 PM »
If you want an insurance company that specializes in sawmills and lumber, try Pennsylvania Lumbermans.  I've been real happy with them.
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Offline Robert Owens

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Re: insurance
« Reply #34 on: February 13, 2017, 06:41:49 PM »
I talked to my State Farm agent this past week and was shocked to learn that they won't offer an inland marine policy for my mill. I have a policy for my tractor and my goose neck stock trailer but learned when I drove to Cooks to pick up my mill if I had been in a wreck on the way home with it they would not have covered it. I have two farms about 20 miles apart and need to be able to pull it to both farms. My agent is looking in to it and trying to find a policy that would cover it on the road. It is covered as long as it stays put at my place. After learning all of this I have a lot of questions for my agent so I will know exactly what is and is not covered. Never assume.

Offline SkyDoc

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Re: insurance
« Reply #35 on: February 15, 2017, 01:13:39 AM »
Don't waste your time with the agent in Wisconsin. I called him last week, got the application and filled it out, returned to him post haste and have now called three times and left messages as well as an email and he hasn't contacted me back. I thought he was in the business of selling insurance, but I guess not...?

So y'all say farm bureau huh?

State Farm wouldn't give me an inland marine policy because I didn't have 2 years of verifiable milling experience.

I need something and I need it NOW!

Doc
Dad always said "its easier to learn from someone else's  mistake than to make it yourself". Thats why I am here....

Offline JB Griffin

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Re: insurance
« Reply #36 on: February 15, 2017, 08:24:41 PM »
I have Farm Bureau and am about ready to fire um. They wont insure sawmills or trucks bigger than a 1 ton. What about the part of their name that says "Farm" lotsa farmers around here have bob trucks or semi's. What gives.
2000 LT40hyd remote 33hp Kubota, 160 Prentice, Frick 2 saw gang edger, Wright W-37 ABG, Suffolk dual tooth setter, Cat claw single tooth setter,'96 F-250 7.3 PSD 4x4, CS-590 Echo, MF 20c, M681 Memo.

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Offline Darrel

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Re: insurance
« Reply #37 on: February 15, 2017, 10:16:25 PM »
The farm bureau is getting out of the farming business but retaining the name.
1992 LT40HD

If I don't pick myself up by my own bootstraps, nobody else will.


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