Insurance
#5148013
08/04/15 09:54 PM
08/04/15 09:54 PM
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Joined: Dec 2014
Posts: 47 Altamont, Illinois
JordanMcGinnis
OP
trapper
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OP
trapper
Joined: Dec 2014
Posts: 47
Altamont, Illinois
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I was wondering if any of you guys know any good insurance company for nuisance trapping. Thanks, Jordan
McGinnis Wildlife Control: Altamont, IL 618-367-1625
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Re: Insurance
[Re: Throw Back]
#5148328
08/05/15 07:54 AM
08/05/15 07:54 AM
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Joined: Jan 2009
Posts: 341 kent county, MI
bluebill
trapper
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trapper
Joined: Jan 2009
Posts: 341
kent county, MI
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For small operators the NWCOA program really is hard to beat. Jim pace is a good guy to talk go as well Just don't hold your breath waiting to get a copy of your policy. Renewed in June and still waiting. Same crap every year. Last year took 2 months. If you call them they will e mail you a temp copy.
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Re: Insurance
[Re: JordanMcGinnis]
#5148443
08/05/15 10:06 AM
08/05/15 10:06 AM
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Joined: Nov 2009
Posts: 60 Haubstadt, In.
G Hanold
trapper
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trapper
Joined: Nov 2009
Posts: 60
Haubstadt, In.
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I saved a lot and have twice the coverage with Bob and Sons.
User formerly known as Hanible.
Trapping & Removal of Animal Pests
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Re: Insurance
[Re: JordanMcGinnis]
#5155666
08/11/15 02:36 PM
08/11/15 02:36 PM
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Joined: Jun 2013
Posts: 95 Florida
bjansma
trapper
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trapper
Joined: Jun 2013
Posts: 95
Florida
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I found that the general liability was similar priced between the 2 companies for what I do. The difference came with the commercial truck insurance. Bob and Sons was about a third of NWCOA insurance for the same coverage.
Bob Jansma
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Re: Insurance
[Re: JordanMcGinnis]
#5155869
08/11/15 05:29 PM
08/11/15 05:29 PM
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Joined: Jan 2013
Posts: 32 OH
Eric Arnold
trapper
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trapper
Joined: Jan 2013
Posts: 32
OH
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The only possible issues with Christian Baker I've ever seen is that you have to be a member of the national organization to qualify and you are limited to a specific number of insured individuals. I think Jim is a great guy and more than willing to work with anyone that needs help with claims, adding additional insured or getting certificates of insurance. Aside from these two items, it is simply a matter of shopping for the best price. At times it will be Christian Baker and at other times it won't. Personally, I've never had them as an agent as their first quote ($2,400) was almost $1,000 more than I was currently paying and their second quote ($1,750) was still several hundred more and if I wanted to cover anyone besides myself and one other, I had to pay extra which I didn't/don't have to do with my other and existing policies.
When I switched over from Central Insurance to West Bend, I went from $1,500 for a 1 mill policy to $358 for a 2 mill policy. Both policies covered pesticide application but for the first company it was an additional ryder ($158) while it was included with West Bend. I've been with West Bend now for over 4 years and my rate has almost doubled from my original price, but it is still the cheapest for me.
It is important to note that with West Bend, if you do more than 20% pesticide work your rates will go up dramatically as you'll be quoted a pesticide policy and not a wildlife control policy.
Eric Arnold Publishing Editor W.C.T. Magazine Editor The Fur Taker Magazine
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Re: Insurance
[Re: JordanMcGinnis]
#5155900
08/11/15 05:53 PM
08/11/15 05:53 PM
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Joined: Jul 2008
Posts: 1,361 mequon, wisconsin
Paul Winkelmann
trapper
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trapper
Joined: Jul 2008
Posts: 1,361
mequon, wisconsin
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I would like to take this opportunity to thank WCT and all the rest of you for your patronage of West Bend Mutual. It is customers
like you that allow this company to have such a gorgeous campus and so much varied wildlife. We have excluded their pigeons and
removed muskrats, mink, raccoon, skunk, opossum, woodchucks, and bats. We also get our workmen's comp insurance from them. I usually
wear a sign that says, "Will Work For Insurance".
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Re: Insurance
[Re: JordanMcGinnis]
#5156291
08/11/15 09:21 PM
08/11/15 09:21 PM
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Joined: Nov 2009
Posts: 60 Haubstadt, In.
G Hanold
trapper
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trapper
Joined: Nov 2009
Posts: 60
Haubstadt, In.
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Paul, I asked them about being competitive. I was told that they usually have better prices until your company gets bigger,(15-20 employees), then they have trouble competing with Christian Baker.
User formerly known as Hanible.
Trapping & Removal of Animal Pests
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Re: Insurance
[Re: Eric Arnold]
#5156445
08/11/15 10:45 PM
08/11/15 10:45 PM
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Joined: Apr 2013
Posts: 24 South Dakota
_fletch_
trapper
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trapper
Joined: Apr 2013
Posts: 24
South Dakota
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The only possible issues with Christian Baker I've ever seen is that you have to be a member of the national organization to qualify and you are limited to a specific number of insured individuals. I think Jim is a great guy and more than willing to work with anyone that needs help with claims, adding additional insured or getting certificates of insurance. Aside from these two items, it is simply a matter of shopping for the best price. At times it will be Christian Baker and at other times it won't. Personally, I've never had them as an agent as their first quote ($2,400) was almost $1,000 more than I was currently paying and their second quote ($1,750) was still several hundred more and if I wanted to cover anyone besides myself and one other, I had to pay extra which I didn't/don't have to do with my other and existing policies.
When I switched over from Central Insurance to West Bend, I went from $1,500 for a 1 mill policy to $358 for a 2 mill policy. Both policies covered pesticide application but for the first company it was an additional ryder ($158) while it was included with West Bend. I've been with West Bend now for over 4 years and my rate has almost doubled from my original price, but it is still the cheapest for me.
It is important to note that with West Bend, if you do more than 20% pesticide work your rates will go up dramatically as you'll be quoted a pesticide policy and not a wildlife control policy.
Wow, that's much cheaper than the quote I got from West Bend, for just me, no employees, 1 million and coverage for truck/traps/tools. But I went through a local agent, and they may be jacking it up quite a bit. My quote was $1350 a year. I probably need to call them direct, and cut out the middle man.
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Re: Insurance
[Re: Paul Winkelmann]
#5156636
08/12/15 06:12 AM
08/12/15 06:12 AM
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Joined: Apr 2013
Posts: 24 South Dakota
_fletch_
trapper
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trapper
Joined: Apr 2013
Posts: 24
South Dakota
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Joshua, going with an independent agent is the best and your premium demonstrates it. I've been doing it since high school and I've
had same guy since we graduated. Fletch, I don't think it's possible to eliminate the middle man in this case. If insurance companies
beat their agents prices, they wouldn't have any agents. This works the same with every large manufacturer. Not all businesses are
created equal. I have a lot of guys to insure and I do the best I can. Insurance is one of those things that you hate to pay for,
until you need it, and then you're darn glad you've got it! Paul, I definitely don't know exactly how it all works, but my insurance agent is just from an independent agency that is "non-affiliated" you could say. When I went to them for homeowner's or auto insurance, they run it through 7 or 8 different companies to find you the best price. I also use them for my electrical contractor's insurance, and they do that the same way. When I told them I was starting an ADC business, they acted like they'd never done anything like that before. I waited over a week and then mentioned West Bend to them because I saw their ad in my WCT magazine. So they got me a quote from them. They (my agent) said it was so high since it's a "specialized" industry. My electrical contractor's policy is not that high, and the liability risks of doing electrical work are much higher, IMO. Can you not call West Bend directly?
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Re: Insurance
[Re: JordanMcGinnis]
#5156739
08/12/15 08:58 AM
08/12/15 08:58 AM
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Joined: Jan 2013
Posts: 32 OH
Eric Arnold
trapper
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trapper
Joined: Jan 2013
Posts: 32
OH
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_fletch_,
West Bend is the underwriter for Bob & Son's just like Aegis is the underwriter for the NWCOA insurance. You'll need to go through an agent as most underwriters don't have a "set" policy but instead have the agents create policies from a list of "covered" activities/situations.
For the policies I posted it was strictly for general liability, no errors & omissions, professional liability, auto, or equipment coverage. I'd have your agent breakdown your policy and you'll probably see that the GL portion is around $400-$500. I'll never tell someone not to get a second quote and Bob & Son's is licensed to write policies in KY so I'd give them a call. Have them quote everything you currently have to see if they are cheaper, same, or more expensive and have them break it down as well so you can see if they are cheaper in one of the areas so you may want to get the better deal from the one agent on one part but then use the other agent for the other parts (i.e., GL insurance 2 mill policy may be like $430 from one while the other is charging $600 for a 1 mill policy).
Eric Arnold Publishing Editor W.C.T. Magazine Editor The Fur Taker Magazine
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Re: Insurance
[Re: JordanMcGinnis]
#5156741
08/12/15 08:59 AM
08/12/15 08:59 AM
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Joined: Jan 2013
Posts: 32 OH
Eric Arnold
trapper
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trapper
Joined: Jan 2013
Posts: 32
OH
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West Bend does offer full payment and monthly payment terms.
Eric Arnold Publishing Editor W.C.T. Magazine Editor The Fur Taker Magazine
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Re: Insurance
[Re: Eric Arnold]
#5156867
08/12/15 11:20 AM
08/12/15 11:20 AM
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Joined: Apr 2013
Posts: 24 South Dakota
_fletch_
trapper
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trapper
Joined: Apr 2013
Posts: 24
South Dakota
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_fletch_,
West Bend is the underwriter for Bob & Son's just like Aegis is the underwriter for the NWCOA insurance. You'll need to go through an agent as most underwriters don't have a "set" policy but instead have the agents create policies from a list of "covered" activities/situations.
For the policies I posted it was strictly for general liability, no errors & omissions, professional liability, auto, or equipment coverage. I'd have your agent breakdown your policy and you'll probably see that the GL portion is around $400-$500. I'll never tell someone not to get a second quote and Bob & Son's is licensed to write policies in KY so I'd give them a call. Have them quote everything you currently have to see if they are cheaper, same, or more expensive and have them break it down as well so you can see if they are cheaper in one of the areas so you may want to get the better deal from the one agent on one part but then use the other agent for the other parts (i.e., GL insurance 2 mill policy may be like $430 from one while the other is charging $600 for a 1 mill policy). Thanks Eric, I'll check into it. Off topic, but am looking forward to your short course on Bats next month...
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Re: Insurance
[Re: JordanMcGinnis]
#5156942
08/12/15 12:42 PM
08/12/15 12:42 PM
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Joined: Jan 2013
Posts: 32 OH
Eric Arnold
trapper
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trapper
Joined: Jan 2013
Posts: 32
OH
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So am I. We're almost full so it will be a fun class with everyone that is attending. Insurance is a good question so remind me if I forget to touch on it as you may need more than basic general liability based on the policy and what services are offering/performed.
Eric Arnold Publishing Editor W.C.T. Magazine Editor The Fur Taker Magazine
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Re: Insurance
[Re: _fletch_]
#5157137
08/12/15 03:44 PM
08/12/15 03:44 PM
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Joined: Nov 2009
Posts: 60 Haubstadt, In.
G Hanold
trapper
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trapper
Joined: Nov 2009
Posts: 60
Haubstadt, In.
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[/quote] Wow, that's much cheaper than the quote I got from West Bend, for just me, no employees, 1 million and coverage for truck/traps/tools. But I went through a local agent, and they may be jacking it up quite a bit. My quote was $1350 a year. I probably need to call them direct, and cut out the middle man.[/quote]
My insurance through Bob & Son's is West Bend. Your rate will depend on your revenue.
User formerly known as Hanible.
Trapping & Removal of Animal Pests
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Re: Insurance
[Re: G Hanold]
#5157686
08/12/15 10:29 PM
08/12/15 10:29 PM
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Joined: Apr 2013
Posts: 24 South Dakota
_fletch_
trapper
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trapper
Joined: Apr 2013
Posts: 24
South Dakota
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My insurance through Bob & Son's is West Bend. Your rate will depend on your revenue. I'm just starting up, and part timing it right now, so my revenue was a projection and was really low. So, my next question would be, do you all cover your vehicles under your commercial policy? I didn't want to risk having stuff stolen and not being covered for it...
Last edited by _fletch_; 08/12/15 10:30 PM.
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