Hey y'all.
Thanks for the information, suggestions, and experiences.
Hey Cody & Tony:
I didn't realize that the question sounded like I was "making it harder than it really is." I was only trying not to ask a DUMB question, which I've always thought was the one NOT asked! I was advised to use the search option to look up this subject ("which has been covered many times"), but didn't find an answer that dealt specifically with my situation so I thought I'd query other board members. This was in an effort to see if anyone else had experienced any problems obtaining multi-state insurance coverage. Maybe I didn't fully explain my plight. Here it is in detail:
I called a local insurance company (broker) to get commercial auto insurance on my truck. Presently, I only have one vehicle, so it will also be my personal day-to-day driving vehicle as well. The personal insurance carrier I have now is based out of Pennsylvania, so thought I'd call locally to have more personal and quicker(?) response in case of a claim. They advised me that they had a company who would insure me as long as I worked in my home state. But, if I crossed into any another state to do business, I WOULD NOT be covered. Another problem is that if I place commercial auto insurance on my (personal) truck, friends and relatives COULD NOT use it (weekend moving, etc) unless they too are placed on the policy. Still sound like I'm "making it harder than it really is?"
Now, I have considered ways to alleviate this problem: have two vehicles--one for work, one for personal--which, just starting out, I can't afford; the other (very risky) way is to work my business under my personal auto insurance, and pray I NEVER have a claim. As I intend to be a legitimate business, I want to be both legally and professionally correct, and not another one of the "negative PW biz examples" about which everyone comments and complains.
I realize that this means a decision, which for me, is as an easy one to make. Just thought I'd find out what others had done.
Thanks to everyone who has helped me (and other "Newbies") start out relatively well-informed. And a BIG thank you to Dan for providing the medium by which everyone can keep abreast of the changing times.
Meanwhile...........back to the phones.
PS - JR.....could you email the info on that company to me? Would like to speak with them. Thanks.
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Tim Srader
X-Stream Kleen