How to Best Insure an ATV?

[VaDwayne]

I am working a large surveying and engineering firm that has two 4-wheelers that are used off-road to assist in mapping for topographical maps.

I placed them on an Inland Marine as mobile equipment, but an underwriter told me that they must be on the BAP? I'm not quite getting it.. If the ATV's are not road worthy, unable to be licensed for road use in Virginia, why are they not "mobile equipment"?

 

[Newby]

ATVs are titled vehicles. I'm not p&c but I used to sell ATVs and I know some people bought a separate policy on them. It usually covered fire , theft, etc.
I remember one guy that somehow bought a collission policy on his. He filed a LOT of claims.
Homeowners does not usually cover them because they have their own title.

 

[Jerbond]

Call Progressive. They cover ATV's. Since they are business personal property, they will need a commercial policy.

 

[VaDwayne]

Call Progressive. They cover ATV's. Since they are business personal property, they will need a commercial policy.

Getting it insured is not the issue, the questioned I placed was "why is it not mobile equipment", and listed on an Inland Marine to cover property damage, where in my opinion, and everyone else I talk to, thinks it should be and not on a commercial auto..

But thanks for the advice

 

[the mayor]

It depends on your State.
Some State laws require any motorized vehicle to be titled. Many do not. If it's untitled...it will usually end up on the inland marine.
You are correct in questioning the Underwriter.

 

[Newby]

ATVs and dirt bikes come with a cetificate of origin just like a car does and in most states you are required to title them. However many people DON'T title them and even workers at license branches get confused and tell people that they can't title off-road vehicles (which is wrong.)

Since ownership of the vehicles transfers through title transfers, it affects how the vehicle is insured.

I'm definitely no P & C expert (or even licensed with P & C) but I think the confusion over the titles is where the confusion over insureing them comes from.

 

[the mayor]

ATVs and dirt bikes come with a cetificate of origin just like a car does and in most states you are required to title them. However many people DON'T title them and even workers at license branches get confused and tell people that they can't title off-road vehicles (which is wrong.)

Since ownership of the vehicles transfers through title transfers, it affects how the vehicle is insured.

I'm definitely no P & C expert (or even licensed with P & C) but I think the confusion over the titles is where the confusion over insureing them comes from.

Sorry...you may be wrong here ( again ,depending on State Law)
I have a background in motorcycle importing.
A Certificate of Origin is just that...a cert of where the machine came from...and may or may not be needed to register or title a vehicle ( if either need to be done)
Most States only require a title on a road registered vehicle. And a few states require no title at all on vehicles under a certain weight or engine size ( you can road register but no title is given).
CA is one state that sticks out where you do have to title an ATV...and the VIN has to fit there data base template. It is the toughest to import a gray market vehicle into.