Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
Your trailer might carry mowers, fence panels, roofing debris, tools, lumber or a small excavator. Many owners assume that hooking it to an insured pickup protects the trailer and everything in it. Sometimes it does, often only partly. It is worth checking your policy before the next trip.
We look at the tow vehicle, the trailer, what you haul, who drives and any contracts, so nothing gets missed.
List every trailer you might put to work, including seasonal, spare, borrowed or new ones. A trailer that only comes out for storm cleanup or busy months still needs to be on the policy.
Five questions inside “Is my trailer covered?”
- Does the tow vehicle’s policy cover liability while the trailer is being towed?
- Is damage to the trailer itself covered, and is the trailer listed?
- How are built-in items like racks and toolboxes treated?
- Where are your tools, equipment and materials covered?
- If you haul someone else’s property, do you need cargo coverage?
A yes to one question doesn’t answer the other four. Each depends on the policy and on what happened.
Tell us about the trailer, the hitch and the load
When you call, we will ask what kind of trailer you have (open, enclosed, utility, dump or equipment), what hitch pulls it, what you haul and how often. A trailer that only goes out once a week can still carry your most valuable equipment.
The trailer usually tells us a lot about the work:
- Landscapers haul mowers, materials and yard debris.
- Fence installers use open or enclosed trailers for posts, panels, augers and tools.
- Roofers use dump trailers for tear-off debris and material drops.
- General contractors may move crews, tools, equipment and sometimes a customer’s property.
Example: the pickup is insured, but nobody knew about the trailer
A contractor buys an enclosed trailer, loads it with equipment and starts towing it to jobs without telling us. Then it gets stolen. He expects the pickup policy to handle it. What gets paid depends on the policy, but the problem could have been avoided: the trailer and the tools were never on the policy.
Tell us about new trailers, replacements, new equipment and new uses before something happens. If you haul property that belongs to customers, read commercial auto vs. cargo insurance.
Match the trailer to the work
“Business trailer” can mean an open utility trailer with mowers, an enclosed trailer full of tools, a dump trailer hauling debris or an equipment trailer with machinery. Tell us the type, weight, value and what it carries.
If one trailer does several jobs, tell us the main one and the others. A landscaper who sometimes hauls debris should say so. If you start moving customers’ property, call us before you take that work.
The tow vehicle and driver matter too
We can’t look at a trailer without the truck that pulls it. Send us the tow vehicle, the hitch, weight ratings, brakes, drivers and routes. If several pickups tow it, list them all. If employees tow with their own trucks, tell us, because that changes whose policy responds.
A trailer being legal to tow doesn’t mean every carrier will accept the setup. We check that before you rely on it.
Damage to the trailer is a separate question
Liability while towing usually runs through the tow vehicle’s policy. Damage to your own trailer is physical damage coverage, and it has to be added. If the trailer is financed or leased, the lender may require it.
Look at the trailer’s value, the deductible, what causes of loss are included and whether built-in equipment counts as part of the trailer. Loose tools and contents need their own coverage.
Tools, equipment, materials and customer property
Make four lists:
- Your own tools, which usually need inland marine (tools and equipment) coverage.
- Built-in equipment, which may be part of the trailer’s value or listed separately.
- Materials and inventory, which may need a different property policy.
- Customers’ property, which may need cargo coverage.
Use the most the trailer ever carries, not the average. It might be half empty on Monday and hold your best equipment on Friday.
Parked trailers get stolen
Tell us where the trailer sits when it is unhooked, whether it stays loaded and what security you really use: hitch locks, wheel locks, a fenced yard, lights or cameras. Only list what you use every time.
Ask how the policy treats theft of the trailer, theft of what’s inside, vandalism, storms and a trailer left at a jobsite overnight. Each can have different rules.
Contracts and certificates
A general contractor, landlord or customer may ask for proof of insurance. Send us the full written requirement so we can see whether it is about auto, general liability, the trailer or property. A certificate only shows what is on the policy. It can’t add a trailer that isn’t there. Our guide to certificates and contract requirements explains more.
If you lease or borrow the trailer, send the agreement. It may make you responsible for damage or downtime.
Know your biggest load before you quote
Tell us the heaviest and most valuable thing the trailer will carry, not just a typical load, and who owns it. If you sometimes borrow equipment, haul customer property, remove debris or deliver materials for a fee, tell us each one. Hauling your own mower is not the same risk as moving someone else’s machinery.
Decide who in your company can approve an unusual load, so a driver doesn’t take work the policy was never told about. If the load or route changes a lot, call us before the trip.
If the trailer is out of service
After a loss you may rent or borrow a replacement trailer. Ask ahead how your policy treats a temporary or borrowed trailer, since this varies by policy.
Also think about how you would keep working without it. A specialty trailer can take time to replace. Keep photos, serial numbers, specs and a dealer contact on file to speed things up.
What trailer insurance costs
Most business trailers are added to the policy of the truck that tows them, so we don’t publish a trailer-only price. Start with the tow vehicle. In real quotes our agency has run for Florida businesses, a one-pickup policy has run:
- $1,000 to $9,000 a year at Florida minimum limits
- $3,500 to $15,000 a year with a $300,000 limit
- $5,000 to $29,000 a year with a $1,000,000 limit
Adding a trailer raises that, depending on its value, whether you add physical damage, and what it carries. Your real price depends on your vehicles, drivers, limits and claims. See the Florida commercial insurance price guide.
Trailer quote-readiness checklist
- Trailer VIN, year, type, weight, value, and photos
- Tow-vehicle VIN, policy, limits, and regular drivers
- Hitch type and towing configuration
- Primary and occasional trailer use
- Typical and maximum radius
- List and value of attached equipment
- List and value of tools, inventory, materials, or customer property carried
- Overnight storage and theft controls
- Prior declarations and available loss runs
- Contract, venue, or certificate requirements
Is my trailer covered while parked and detached?
It can be, if the trailer is listed with physical damage coverage that includes theft and weather. Towing liability alone does not pay for damage to a parked trailer, so check how your trailer is listed.
Does the policy cover every tool inside?
No, not automatically. Tools usually need their own inland marine (tools and equipment) coverage. Send us a list of the tools, their value and where they are kept overnight.
Can an employee tow it with a personal pickup?
Sometimes, but tell us before it starts. The employee’s own policy may not cover business towing, so we need to review the truck, the trailer and your hired and non-owned auto coverage.
What happens when I replace the trailer?
Call us before the new trailer goes to work. Send the VIN, value, type, weight, photos, tow setup and what it will carry. The old trailer’s coverage does not always move over on its own.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help business owners across Tampa Bay and central Florida find commercial auto, general liability, workers’ compensation, and related business coverage that matches how they actually operate, comparing options across the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Tell us about your vehicles, drivers and the work you do, and we will come back with real options. Call or text 813-302-7151.
