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liability insurance #5725140
12/07/16 06:17 PM
12/07/16 06:17 PM
Joined: Nov 2016
Posts: 402
Wisconsin, USA
Traps R Us Offline OP
trapper
Traps R Us  Offline OP
trapper

Joined: Nov 2016
Posts: 402
Wisconsin, USA
I would like to do a few ADC jobs on the side, one client asked about insurance, which I don't have, so they turned me down.
Where would be a good place to get liability insurance for trapping?

Re: liability insurance [Re: Traps R Us] #5725145
12/07/16 06:19 PM
12/07/16 06:19 PM
Joined: Apr 2010
Posts: 30
St. Louis area
D
Dave Schmidt Offline
trapper
Dave Schmidt  Offline
trapper
D

Joined: Apr 2010
Posts: 30
St. Louis area
Jim Pace (Christian Baker Co.) is state-of-the-art. Also West Bend Ins. Co.


ALL OUT Wildlife Control
Re: liability insurance [Re: Traps R Us] #5725209
12/07/16 07:12 PM
12/07/16 07:12 PM
Joined: Dec 2014
Posts: 3
Collierville Tennessee
P
patriot_trapper Offline
trapper
patriot_trapper  Offline
trapper
P

Joined: Dec 2014
Posts: 3
Collierville Tennessee
Jim Pace ( Christian Baker Co.) X2. He is great and knows this business very well. (717)-761-4712

Re: liability insurance [Re: Traps R Us] #5725326
12/07/16 08:19 PM
12/07/16 08:19 PM
Joined: Dec 2006
Posts: 1,514
Woodhull, Illinois 77
J
Jim Bethell Offline
trapper
Jim Bethell  Offline
trapper
J

Joined: Dec 2006
Posts: 1,514
Woodhull, Illinois 77
Bob & Sons Ins. 260-726-3718. Have to be a member if NWCOA to get from Jim Pace. Bob treats us well.

Re: liability insurance [Re: Traps R Us] #5727575
12/09/16 06:07 PM
12/09/16 06:07 PM
Joined: Jan 2015
Posts: 46
Virginia/Texas
B
BanjoBill Offline
trapper
BanjoBill  Offline
trapper
B

Joined: Jan 2015
Posts: 46
Virginia/Texas
Snow and Bell, like Jim said, Jim Pace wants you to be a nwcoa member to get insurance through him, so 250.00 per year plus another 600.00 to 650.00, just to get insured when you can save that and go with Snow and Bell.


Bill Wright
Wright's Wildlife Control
(254) 371-5839
www.wrightswildlifecontrol.com
Re: liability insurance [Re: Traps R Us] #5727717
12/09/16 08:07 PM
12/09/16 08:07 PM
Joined: Dec 2006
Posts: 9,736
Northern Illinois
M
MChewk Offline
trapper
MChewk  Offline
trapper
M

Joined: Dec 2006
Posts: 9,736
Northern Illinois
I'll second Bob's and sons....great folks great service....good coverage

Re: liability insurance [Re: Traps R Us] #5732341
12/13/16 04:41 PM
12/13/16 04:41 PM
Joined: Nov 2016
Posts: 402
Wisconsin, USA
Traps R Us Offline OP
trapper
Traps R Us  Offline OP
trapper

Joined: Nov 2016
Posts: 402
Wisconsin, USA
Thanks everyone for the great advice, I appreciate you helping out a newcomer!

Re: liability insurance [Re: Traps R Us] #5744118
12/22/16 03:12 PM
12/22/16 03:12 PM
Joined: Nov 2016
Posts: 402
Wisconsin, USA
Traps R Us Offline OP
trapper
Traps R Us  Offline OP
trapper

Joined: Nov 2016
Posts: 402
Wisconsin, USA
Thanks again, I would like to add that Bob&Sons gave me the best terms. Very happy.

Re: liability insurance [Re: Traps R Us] #5760965
01/05/17 07:14 PM
01/05/17 07:14 PM
Joined: Dec 2006
Posts: 262
Cantonment, Fl.
S
swampstomper Offline
trapper
swampstomper  Offline
trapper
S

Joined: Dec 2006
Posts: 262
Cantonment, Fl.
Could someone pm me insurance agent contact phone number. I'm not very good with this computer suff. Lol. My insurance went up from 600.00 to 2800.00 because someone got bit by a coon in a live trap. Wasn't mind though but because it happen everyone insurance went up here. Thanks

Re: liability insurance [Re: Traps R Us] #5761098
01/05/17 09:07 PM
01/05/17 09:07 PM
Joined: Dec 2006
Posts: 262
Cantonment, Fl.
S
swampstomper Offline
trapper
swampstomper  Offline
trapper
S

Joined: Dec 2006
Posts: 262
Cantonment, Fl.
Thanks guys will do.

Re: liability insurance [Re: swampstomper] #5833732
03/03/17 03:49 PM
03/03/17 03:49 PM
Joined: Feb 2014
Posts: 8,294
Louisiana
Aix sponsa Offline
trapper
Aix sponsa  Offline
trapper

Joined: Feb 2014
Posts: 8,294
Louisiana
Originally Posted By: swampstomper
Could someone pm me insurance agent contact phone number. I'm not very good with this computer suff. Lol. My insurance went up from 600.00 to 2800.00 because someone got bit by a coon in a live trap. Wasn't mind though but because it happen everyone insurance went up here. Thanks




Wow. So because it happened to someone else, your insurance premiums increased 475%? That doesn't seem right (fair) at all!

Re: liability insurance [Re: Traps R Us] #5837800
03/07/17 05:07 PM
03/07/17 05:07 PM
Joined: Aug 2015
Posts: 123
eastern, CT
scott k Offline
trapper
scott k  Offline
trapper

Joined: Aug 2015
Posts: 123
eastern, CT
It would be foolish to even think about operating a business without any liability insurance. It's a good way to have someone else living in your house

Re: liability insurance [Re: Traps R Us] #5837832
03/07/17 05:38 PM
03/07/17 05:38 PM
Joined: Dec 2006
Posts: 7,590
SW Pa
B
Bob Jameson Online content
trapper
Bob Jameson  Online Content
trapper
B

Joined: Dec 2006
Posts: 7,590
SW Pa
Does that Bob and Sons offer workers compensation as well.

Re: liability insurance [Re: Traps R Us] #5837925
03/07/17 06:49 PM
03/07/17 06:49 PM
Joined: Feb 2012
Posts: 1,862
Northeast Wisconsin
N
NE Wildlife Offline
trapper
NE Wildlife  Offline
trapper
N

Joined: Feb 2012
Posts: 1,862
Northeast Wisconsin
Sorry to say Scott but with the messed up world we live in I think
It's the opposite, the person who is working at someone's house that doesn't
Have insurance and gets hurt will sue the owner of the house for whatever
There lawyer can sue for! So make sure to have homeowners insurance lol
Crazy sue happy world we are living in!



Re: liability insurance [Re: Traps R Us] #5838001
03/07/17 08:00 PM
03/07/17 08:00 PM
Joined: Jun 2013
Posts: 95
Florida
B
bjansma Offline
trapper
bjansma  Offline
trapper
B

Joined: Jun 2013
Posts: 95
Florida
Bob and Sons sells Liberty Mutual workmans comp.(at least in my states IN and IL) Same as Jim Pace if that is who you are using now. When I switched the policy stayed the same, just signed something to switch the agency.


Bob Jansma
Re: liability insurance [Re: Traps R Us] #5838636
03/08/17 11:50 AM
03/08/17 11:50 AM
Joined: Dec 2006
Posts: 1,606
Maine
S
shorthair Offline
trapper
shorthair  Offline
trapper
S

Joined: Dec 2006
Posts: 1,606
Maine
Any websites or email address for these folks?


"My biggest worry is that my wife (when I'm dead) will sell my traps for what I said I paid for them."
Re: liability insurance [Re: Traps R Us] #5838664
03/08/17 12:11 PM
03/08/17 12:11 PM
Joined: Jul 2008
Posts: 1,361
mequon, wisconsin
P
Paul Winkelmann Offline
trapper
Paul Winkelmann  Offline
trapper
P

Joined: Jul 2008
Posts: 1,361
mequon, wisconsin
The only two insurance companies that have been actively pursuing our business that I have ever seen has been Christian/Baker with Jim Pace and West Bend Mutual Insurance with Bob & Sons. With Christian/Baker you will need to belong to NWCOA. With West Bend Mutual you can also get Workman's Comp. On the bright side, a very small percentage of your insurance premiums to West Bend Mutual is used to pay me for trapping animals on their property. I was up there yesterday for skunks. Either one of these companies has an excellent reputation and you can't go wrong with either. We are very fortunate.

Re: liability insurance [Re: Traps R Us] #5839281
03/08/17 11:06 PM
03/08/17 11:06 PM
Joined: Aug 2008
Posts: 335
Northern Minnesota
W
webfootwhacker Offline
trapper
webfootwhacker  Offline
trapper
W

Joined: Aug 2008
Posts: 335
Northern Minnesota
I just found out that Bob and Sons is soon to be licensed in Minnesota. I was very pleased with my quote. Just waiting for him to receive his license to receive the policy. Just an FYI for anyone else in MN looking to be insured.

Re: liability insurance [Re: shorthair] #5839865
03/09/17 03:53 PM
03/09/17 03:53 PM
Joined: Nov 2016
Posts: 402
Wisconsin, USA
Traps R Us Offline OP
trapper
Traps R Us  Offline OP
trapper

Joined: Nov 2016
Posts: 402
Wisconsin, USA
I don't know if they have a website, I contacted them via facebook, they were really fast to respond.
You can give them a call or email, see below.

https://www.facebook.com/BobandSonsInsuranceAgency

Daniel Johnson
Independent Agent
Bob and Sons Insurance Agency
260-726-3718 Office
260-726-3088 Fax

danieljohnson@embarqmail.com

Re: liability insurance [Re: Traps R Us] #5860188
03/28/17 06:36 PM
03/28/17 06:36 PM
Joined: Dec 2006
Posts: 1,563
Worley, Idaho
M
Machias Offline
trapper
Machias  Offline
trapper
M

Joined: Dec 2006
Posts: 1,563
Worley, Idaho
I contacted them on Facebook yesterday, they do not provide coverage for Washington State. Anyone have any good alternatives? Thanks!


When things are Grim, become the Grim Reaper!
Fred Moyer
Re: liability insurance [Re: Traps R Us] #5860721
03/29/17 07:46 AM
03/29/17 07:46 AM
Joined: Mar 2009
Posts: 78
E. Iowa
H
hvtrapper Offline
trapper
hvtrapper  Offline
trapper
H

Joined: Mar 2009
Posts: 78
E. Iowa
I would look for an independent agent selling West Bend Mutual.
My policy is through The Friedman Group in Dubuque, Iowa.


Tom Walters
Re: liability insurance [Re: Traps R Us] #5860859
03/29/17 10:29 AM
03/29/17 10:29 AM
Joined: Jul 2008
Posts: 1,361
mequon, wisconsin
P
Paul Winkelmann Offline
trapper
Paul Winkelmann  Offline
trapper
P

Joined: Jul 2008
Posts: 1,361
mequon, wisconsin
I'm going up to West Bend Mutual to catch some more muskrats. I'm leaving in a couple of minutes. Can I get you guys anything?

Re: liability insurance [Re: Traps R Us] #5861425
03/29/17 08:49 PM
03/29/17 08:49 PM
Joined: Sep 2009
Posts: 77
Virginia
K
Kurt in Va Offline
trapper
Kurt in Va  Offline
trapper
K

Joined: Sep 2009
Posts: 77
Virginia
Any options for wildlife insurance in VA? Bob and sons and west bend don't service VA

Re: liability insurance [Re: Traps R Us] #5862267
03/30/17 08:51 PM
03/30/17 08:51 PM
Joined: Dec 2006
Posts: 262
Cantonment, Fl.
S
swampstomper Offline
trapper
swampstomper  Offline
trapper
S

Joined: Dec 2006
Posts: 262
Cantonment, Fl.
Bob and Sons don't service Fla. or Ala. Are any were in the South. Had to go back with old ins and high cost for it.

Re: liability insurance [Re: Kurt in Va] #5890226
04/28/17 11:26 PM
04/28/17 11:26 PM
Joined: Jan 2015
Posts: 46
Virginia/Texas
B
BanjoBill Offline
trapper
BanjoBill  Offline
trapper
B

Joined: Jan 2015
Posts: 46
Virginia/Texas
Snow and Bell, great prices, lower than Christian Baker and you don't have to be a member of NWCOA to get insured, great coverege plus you can add on.


Bill Wright
Wright's Wildlife Control
(254) 371-5839
www.wrightswildlifecontrol.com
Re: liability insurance [Re: Traps R Us] #5912274
05/26/17 11:10 AM
05/26/17 11:10 AM
Joined: Nov 2010
Posts: 2,168
Rochester, MN
Teacher Offline
trapper
Teacher  Offline
trapper

Joined: Nov 2010
Posts: 2,168
Rochester, MN
I have Cincinnati insurance for Liability. it's about $500 a year. Covers my teaching, site auditing and trapping. The agent wasn't thrilled to cover trapping but his company wrote the policy anyway. I also have an LLC, written in such a way to keep me bulletproof. Went to a lawyer who specialized in LLC development. I don't feel naked anymore.


Never too old to learn
Re: liability insurance [Re: Traps R Us] #5914297
05/29/17 12:38 AM
05/29/17 12:38 AM
Joined: Mar 2013
Posts: 2,981
Wyoming
S
Starvalleytrappe Offline
trapper
Starvalleytrappe  Offline
trapper
S

Joined: Mar 2013
Posts: 2,981
Wyoming
I only found one that would get me a plan. It was Christian baker. Yes you have to be a member of nwcoa but is that really such a bad thing? Lol


Wyoming fur trader

chrismhcc@yahoo.com
Re: liability insurance [Re: Traps R Us] #5915271
05/30/17 01:01 PM
05/30/17 01:01 PM
Joined: Jan 2016
Posts: 73
PA
F
Fatdawg Offline
trapper
Fatdawg  Offline
trapper
F

Joined: Jan 2016
Posts: 73
PA
What does Bob and Sons, Snow and Bell, Christian Baker , etc. offer in their policies that wouldn't be covered by a general liability policy? I have searched for months to find a company that has a specific plan for wildlife control here in PA without much luck. After talking with my insurance agent (home and auto) and explaining the possible claims he told me it would all be covered with a general liability policy. I got a 1 mil policy with 250 deductible for $620 yr.

Re: liability insurance [Re: Traps R Us] #5915346
05/30/17 03:30 PM
05/30/17 03:30 PM
Joined: Mar 2013
Posts: 2,981
Wyoming
S
Starvalleytrappe Offline
trapper
Starvalleytrappe  Offline
trapper
S

Joined: Mar 2013
Posts: 2,981
Wyoming
It is wrote specifically for wildlife removal and exclusion work. My insurance company wouldn't even offer a policy too me


Wyoming fur trader

chrismhcc@yahoo.com
Re: liability insurance [Re: Fatdawg] #5915425
05/30/17 05:34 PM
05/30/17 05:34 PM
Joined: Nov 2016
Posts: 402
Wisconsin, USA
Traps R Us Offline OP
trapper
Traps R Us  Offline OP
trapper

Joined: Nov 2016
Posts: 402
Wisconsin, USA
Fatdawg, it's a professional liability policy tailored specifically to the work of Commercial Wildlife Control. I don't think my general home and auto policy would cover that type of claim. If your agent says it does, I would want him to give that to me in writing.
Cheers,

Re: liability insurance [Re: Traps R Us] #5915957
05/31/17 12:15 PM
05/31/17 12:15 PM
Joined: Jan 2016
Posts: 73
PA
F
Fatdawg Offline
trapper
Fatdawg  Offline
trapper
F

Joined: Jan 2016
Posts: 73
PA
Originally Posted By: Uwe
Fatdawg, it's a professional liability policy tailored specifically to the work of Commercial Wildlife Control. I don't think my general home and auto policy would cover that type of claim. If your agent says it does, I would want him to give that to me in writing.
Cheers,


The policy has nothing to do with my homeowners or auto insurance. It is a separate business liability policy.
Just out of curiosity what specifics is your policy tailored to that would not be covered by general business liability?

I'm still somewhat new to this, just trying to learn and understand what I maybe missing.

Re: liability insurance [Re: Fatdawg] #5916062
05/31/17 02:27 PM
05/31/17 02:27 PM
Joined: Nov 2016
Posts: 402
Wisconsin, USA
Traps R Us Offline OP
trapper
Traps R Us  Offline OP
trapper

Joined: Nov 2016
Posts: 402
Wisconsin, USA
Sorry, I must have read your post wrong.
If it is a business liability insurance for your ADC business than that is exactly what you should have.
I had to fill out an application that asked specifics about wildlife control work, if you handle pesticides, how much you store, how many people you employ, what's their training, etc.

Sounds like you've got it covered.

Re: liability insurance [Re: Traps R Us] #5916108
05/31/17 03:43 PM
05/31/17 03:43 PM
Joined: Jan 2016
Posts: 73
PA
F
Fatdawg Offline
trapper
Fatdawg  Offline
trapper
F

Joined: Jan 2016
Posts: 73
PA
Originally Posted By: Uwe
Sorry, I must have read your post wrong.
If it is a business liability insurance for your ADC business than that is exactly what you should have.
I had to fill out an application that asked specifics about wildlife control work, if you handle pesticides, how much you store, how many people you employ, what's their training, etc.

Sounds like you've got it covered.


I gave my agent a down an dirty summary of the work I'd be doing and some of the possible claims, such as falling through ceiling, ladder through a window and the you hurt my poor puppy scenario. He says I'll be covered.
I don't do bugs or chemicals, so that probably make it easier and cheaper.

I looked at joining NWCOA and looked at their insurance. Combined ins cost and membership is more than I pay now and the coverage isn't as high. Also read that you have to provide proof of liability ins when applying for their ins.

Re: liability insurance [Re: Traps R Us] #6052135
11/12/17 01:55 AM
11/12/17 01:55 AM
Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Budfish Offline
trapper
Budfish  Offline
trapper

Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Does anyone know if Bob and Sons covers Louisiana and also Pest control?
Any one know any that do?
Not a member of NWCOA.

Re: liability insurance [Re: Budfish] #6052732
11/12/17 07:09 PM
11/12/17 07:09 PM
Joined: Sep 2009
Posts: 77
Virginia
K
Kurt in Va Offline
trapper
Kurt in Va  Offline
trapper
K

Joined: Sep 2009
Posts: 77
Virginia
They do not cover your state.

Re: liability insurance [Re: Kurt in Va] #6052754
11/12/17 07:45 PM
11/12/17 07:45 PM
Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Budfish Offline
trapper
Budfish  Offline
trapper

Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Originally Posted By: Kurt in Va
They do not cover your state.

Thanks. That's what I was afraid of.
I will be needing wildlife and pest control insurance in Louisiana very soon.

Re: liability insurance [Re: Traps R Us] #6053779
11/13/17 10:27 PM
11/13/17 10:27 PM
Joined: Aug 2008
Posts: 335
Northern Minnesota
W
webfootwhacker Offline
trapper
webfootwhacker  Offline
trapper
W

Joined: Aug 2008
Posts: 335
Northern Minnesota
May not hurt to check with Bob and sons anyways as they got licensed in MN just to cover me. I was told they were looking to add additional states. So far, I'm very pleased with them.

Re: liability insurance [Re: webfootwhacker] #6053954
11/14/17 02:54 AM
11/14/17 02:54 AM
Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Budfish Offline
trapper
Budfish  Offline
trapper

Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Originally Posted By: webfootwhacker
May not hurt to check with Bob and sons anyways as they got licensed in MN just to cover me. I was told they were looking to add additional states. So far, I'm very pleased with them.


Awesome. Thanks.

Re: liability insurance [Re: Traps R Us] #6053993
11/14/17 07:06 AM
11/14/17 07:06 AM
Joined: Aug 2017
Posts: 609
Desert Southwest-CA
DezertTrapper Offline
trapper
DezertTrapper  Offline
trapper

Joined: Aug 2017
Posts: 609
Desert Southwest-CA
After reading all of these posts, I never knew how lucky I truly was until now. I have family who are licensed agents in my state...I didn't have to join anything, or go with a specific person-they surveyed all of the different brokers for me...and found me really good coverage at a fair price. I'm wondering, how much coverage does the NWCOA policy offer?


Member NTA
Member NRA
Platinum Member: School of Hard Knocks
Re: liability insurance [Re: DezertTrapper] #6054837
11/15/17 12:54 AM
11/15/17 12:54 AM
Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Budfish Offline
trapper
Budfish  Offline
trapper

Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Originally Posted By: DezertTrapper
After reading all of these posts, I never knew how lucky I truly was until now. I have family who are licensed agents in my state...I didn't have to join anything, or go with a specific person-they surveyed all of the different brokers for me...and found me really good coverage at a fair price. I'm wondering, how much coverage does the NWCOA policy offer?


I don't know, but I'm not paying $200 to the NWCOA to find out.

Re: liability insurance [Re: Traps R Us] #6057220
11/17/17 06:16 PM
11/17/17 06:16 PM
Joined: Aug 2010
Posts: 7
California
B
Baxter Offline
trapper
Baxter  Offline
trapper
B

Joined: Aug 2010
Posts: 7
California
You do not have to be a nwcoa member for Jim pace.


Aaron

Re: liability insurance [Re: Traps R Us] #6057607
11/18/17 12:40 AM
11/18/17 12:40 AM
Joined: Aug 2017
Posts: 609
Desert Southwest-CA
DezertTrapper Offline
trapper
DezertTrapper  Offline
trapper

Joined: Aug 2017
Posts: 609
Desert Southwest-CA
I think NCWOA membership numbers would fly off of the charts if it wasn't so expensive. I belong to other organizations-in other areas..memberships are perhaps $35-$50 per year.

I can buy a couple of very nice traps with that $200!


Member NTA
Member NRA
Platinum Member: School of Hard Knocks
Re: liability insurance [Re: Traps R Us] #6057957
11/18/17 12:56 PM
11/18/17 12:56 PM
Joined: Apr 2010
Posts: 111
NM
H
HD_Wildlife Offline
trapper
HD_Wildlife  Offline
trapper
H

Joined: Apr 2010
Posts: 111
NM
You can be a supporting member for $50.00, next level up is $125.00 with professional membership coming in at $250.00.

To each their own on what they want to
pay to various organizations they may want
to affiliate with or support.

To purchase the highest level of insurance from Pace, you must have the highest
level of membership with NWCOA.

Lots of people are very happy with Pace, lots with Bob and Sons, and plenty have independent
insurers.

To each their own, whatever works for you and your business.

Re: liability insurance [Re: Traps R Us] #6059508
11/20/17 04:10 AM
11/20/17 04:10 AM
Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
Budfish Offline
trapper
Budfish  Offline
trapper

Joined: Sep 2010
Posts: 581
Des Allemands, Louisiana
For pest control in general, is a plain old liability policy sufficient or do you have to get something specifically for pest control?

Re: liability insurance [Re: Traps R Us] #6059817
11/20/17 02:28 PM
11/20/17 02:28 PM
Joined: Apr 2010
Posts: 111
NM
H
HD_Wildlife Offline
trapper
HD_Wildlife  Offline
trapper
H

Joined: Apr 2010
Posts: 111
NM
I believe there is an additional applicator fee with Pace. But not 100%.

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