welding insurance questionaire!!!!!

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I'm trying to get my rig to work and start making money but I'm going the legit route....and that means insurance. How would some of you answer these questions? What type of trap is the application trying to get me to fall into? Attached ImagesWeldingApplication(2).pdf (126.4 KB, 165 views)
Reply:Just don't put any thing down for trailer hitches or even mention it.   Thats the fastest way to get a no response from an insurance company.Lincoln 300 Vantage 2008300 Commander 1999SA250 1999SA200 1968Miller Syncrowave 200XMT350MPA/S-52E/xr-15Xtreme 12vs Millermatic 251 w/30A  Millermatic 251 Dialarc 250 Hypertherm 1250 GEKA & Bantom Ironwokers
Reply:That's a standard form.  I screwed up and mentioned I weld on live gas lines.  But, if you're not covered on what you're welding on and you screw up, they don't have to cover you either.  They've got us in a box.  I m relocating to Texas.  A very small amount of red tape in that state.  PA is raping me and it's about to get worse next year.  F**k it.  For a fraction of the $ I can get double the coverage in Texas and they don't care where you work.  IMO, be as honest as you feel comfortable.
Reply:Originally Posted by TeeheeI'm trying to get my rig to work and start making money but I'm going the legit route....and that means insurance. How would some of you answer these questions? What type of trap is the application trying to get me to fall into?
Reply:There are so many questions on there that probably don't pertain to me, but then again you never know. I'm sure that providing AWS welding certs will help cut the cost or at least make you potentially less risky. I spoke to my closest AWS testing facility today about getting a certification and sounds easy enough, only money, lol!I have been a certified pipe welder and pressure vessel welder most of my life, but I don't want to focus on just that type of welding, I would like to think I should be able take on any welding job I feel comfortable doing. How to you cover that aspect on the insurance application?
Reply:Originally Posted by TeeheeThere are so many questions on there that probably don't pertain to me, but then again you never know. I'm sure that providing AWS welding certs will help cut the cost or at least make you potentially less risky. I spoke to my closest AWS testing facility today about getting a certification and sounds easy enough, only money, lol!I have been a certified pipe welder and pressure vessel welder most of my life, but I don't want to focus on just that type of welding, I would like to think I should be able take on any welding job I feel comfortable doing. How to you cover that aspect on the insurance application?
Reply:Bryan thanks for all those great points!I guess I want to believe that it easier than it is, or should be.When I was younger if I wanted to start a business I would have jumped in without worry, but of course this before having the responsibility of a family and assets to protect!I do understand that this really isn't a trap. Like it or not insurance is a necessary evil and a business trying to protect their assets as well.The real problem is....trying to do all of these things... obtain insurance, obtain certifications, occupational licenses, as well as the thousands of dollars in equipment, with not enough money to work with. All of this with no guarantee of what if any income you will see from it.