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TOPIC: The Business of Starting Out

RE:The Business of Starting Out 13 Feb 2007 01:48 #16

  • brian robertson
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George, It's nothing personal, it's just the numbers necessary to make a profit. I think they'd insure the manure shovelers union if enough members expressed interest. Maybe an officer of the JHU could make an inquiry.
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RE:The Business of Starting Out 13 Feb 2007 02:37 #17

  • George Geist
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Brian,
Actually I think I may do that. Numbers are understandable but the Union and the Guild are the only 2 national organizations that have 100% of their membership tested and qualified horseshoers.

The AFA and BWFA can't say that. Yet that company favors them. Go figure.
George
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RE:The Business of Starting Out 14 Feb 2007 16:02 #18

  • Hoofangler
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Amy,

Check out Farm Family Insurance. I have them write my liability, disability, and commercial vehicle / equipment policies. Their rates are good and you can usually do business face to face in your area.

Mike
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RE:The Business of Starting Out 21 Feb 2007 01:43 #19

Stopped by at spoke with my insurance agent. (State Farm)

Gave me a quote for disability/injury... essentially $32 / month per 1000 payout if injured...of course this varies based on age and lifestyle choices... I’m 40 and quit smoking :) I'll never give up my guiness at the end of the day. :D

They will cover up to 1/3 of your gross for 12 months ...So for a ~100/month premium I can get roughly $3000/month payout if I'm out of commission... BTW the payout is tax free.

There is a 60 day grace before you can make a claim… after that no waiting period for a payout…

Doug
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RE:The Business of Starting Out 23 Feb 2007 21:53 #20

  • Dave Whitaker
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Doug,
You disclosed that you were a farrier and were still able to get those disability rates?? Is it short term or a long term policy? Thanks, Dave


"Everything is for sale......some are just harder to buy than others......"
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RE:The Business of Starting Out 23 Feb 2007 22:27 #21

Yup, I told him I was a farrier....

Max Benefit was for 12 months...but I don't know if that is per/occurance or one time. I'm going to get the policy either way.. When I get more info I'll post it here..

Doug
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RE:The Business of Starting Out 24 Feb 2007 23:01 #22

  • George Geist
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Doug,
I have State Farm auto. I know they give deals if you have more than one policy with them. Find out if thats the case with this.

If so it might be a good reason to get other policies with them.
George
For another fun place to play........
www.horseshoersforum.invisionzone.com
Come over and say hello.
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RE:The Business of Starting Out 25 Feb 2007 02:19 #23

oh yea, he's beggin (the agent) to get my auto insurance written... but I've been with NationWide for over 30 years..

What can I say.. with that kind of history its hard to been the rates.......
NO Wrecks (that were my fault) and only 3 speeding tickets since I was 16.......... I've been "LUCKY" .......

Should have been hauled in, when I was do'n 115 MPH on cruise control in Nevada.. but that's another story.... :)

Doug
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RE:The Business of Starting Out 25 Feb 2007 17:53 #24

  • Hoofangler
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Just looked up my Farm Family numbers....

DISABILITY- $2500 a month with a 30 day exclusion period. Benefit paid for 5 years .....$1500 a year ( if you lengthen the exclusion or drop down to 2 yrs of benefits the premium drops dramatically like - 90 days exclusion, 2 yrs benefits, $2500 a month....$960 a year)

General Liability - 1 million / 2 million .....$400 a year

Commercial Auto - with equipment rider for all non attached equipment and extra coverage to cover the Stonewell Body ('03 Ford F250)...$925 a year

Pretty good numbers considering I live in NY - land of Taxes, Welfare, and High Insurance Rates.

Mike
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