Insurance Dilimna

James Pop

James Pop

New member
Hey guys,

I purchased my GL policy through Joseph Walters. At the time they said they cap equipment coverage at $2K (not enough) to cover my set up. I thought I could get equipment coverage through another carrier.
PROBLEM: no one in this area will cover my equipment without also providing the GL coverage. Has anyone else ran into this? If so, why is there so many on this forum using J. Walters? Thanks.

James
 
$2K isn't squat.

I have four tool boxes and the day before yesterday the largest one got stolen off the tailgate at a job site. It held spare parts and quality hand tools. Value? Not sure because I can't remember all what parts were in there. But total loss is probably somewhere north of $800.

Gawd I hate thieves!
 
I too hate that a man can't turn his back on his property without others helping themselves to it. I just can't understand the pathology behind people like that and I grew up with two thieving brothers. They blamed the people for not watching their stuff more closely. Both did serious time for theft and other things of that sort. I always used them as the perfect example of what not to be." Sorry to hear that your tools were taken.

James
 
James Pop said:
I too hate that a man can't turn his back on his property without others helping themselves to it. I just can't understand the pathology behind people like that and I grew up with two thieving brothers. They blamed the people for not watching their stuff more closely. Both did serious time for theft and other things of that sort. I always used them as the perfect example of what not to be." Sorry to hear that your tools were taken.

James
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Well James, guess what? I just found the tool box. I must have hidden it with my Easter Eggs. Getting old sucks, but being old is worse. lol

Nonetheless, I still hate thieves - have been the victim too many times!
 
Rapid HotClean said:
Well James, guess what? I just found the tool box. I must have hidden it with my Easter Eggs. Getting old sucks, but being old is worse. lol

Nonetheless, I still hate thieves - have been the victim too many times!
Click to expand...
I still super hate thieves.
 
James Pop said:
Hot watr & softwash skids combine for considerably more than $2K.
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Not sure how they get there numbers. They asked about all my equipment then asked for the model of my washer. They covered me for the same amout my skid cost nothing more. I was thinking maybe they only cover your pressure washer.
 
Equipment coverage is why I'm no longer with JW. I was told the cap on equipment was $2.5K. Who wants 2 policies?

Look for "inland/marine" coverage along w GL, WC & whatever else you need.
 
I just got a quote from Joseph Walters for $18,000 equipment coverage. I talked to Darla Renk.
 
CL Scott said:
Equipment coverage is why I'm no longer with JW. I was told the cap on equipment was $2.5K. Who wants 2 policies?

Look for "inland/marine" coverage along w GL, WC & whatever else you need.
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X2 on inland/marine. I purchased that style of policy with my local Allstate agent. Might still put you getting multiple policies, but will surely give you more than $2.5k in equipment coverage.
 
For us, any attached equipment / items, including the skid, (anything mounted to veh./trailer basically) is covered under commercial auto, everything else listed under inland marine on GL (which is much higher than 2k coverage).
 
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