Insurance Providers

I'll be starting up with local side-dump work this year and will hopefully expand into some flatbed work hauling machinery. I'm getting everything together, making a list, and checking it twice. One thing I'm trying very hard not to overlook is the insurance.

My question is, who does everyone use for insurance? I've read in several places that Progressive is the only one that will insure an O/O and all the stuff that comes with it. I kind of find that a little hard to believe. Yet a Google search doesn't seem to yield very many options either, so then again...

I have all my personal things covered by State Farm and already got a "no" from them in regards to this. My agent referred me to another insurance agency that seems to just broker from national companies (Progressive being one of them). In my mind, why pay a middle man? What do you guys think?

 

I always forget that part. I'm in Nebraska, where the only thing higher than the taxes is the insurance...

Geico Marine covers your truck? I would've never guess that one in a hundred years. Good to know, though!

 

That just blows my mind that it's the only option. Not saying I don't believe what everyone is saying, it's just mind boggling. They pretty much get to name their price then, I imagine.

 

Yeah, that makes sense well enough, I suppose. In terms of starting as an o/o, I hope they take things into accounts like number of years with a CDL, driving record, safety record, number of years in the industry as a company driver, etc, etc. Maybe they do or maybe they don't. Either way, looks like I'll be paying my dues (so to speak) on that end for a while.