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Posts: 17
Location: KY | I'm looking to supplement our income due to being laid off from my job. I have a great trailer and I've had tons of requests to haul horses. I have lots of questions! What sort of insurance do I need to protect myself? I have US Rider for my own horse trailer/truck and have the trailer insured through our auto policy. Do I need a CDL? It's just a Yukon XL and a 3 horse corn pro slant. It tows very nicely, and has ample power, provided I don't go up and down WV hills. KY hasn't been too bad so far. Besides trading it in for a dually, (because I know someone will tell me that, and it's not an option), what other things do I need to consider before starting? I plan to keep the fees to mileage at this point and start out inexpensive so I can build a customer base. |
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Extreme Veteran
Posts: 522
Location: Tucumcari NM | Talk to your insurance agent. |
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Expert
Posts: 1723
Location: michigan | I'd talk to your insurance agent and a lawyer. Then remember that whiel some horses haul well, some do not so your gonna have to deal with all sort of problem horses and problem people like the ones who don't pay or give you bad checks etc... |
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Location: KY | Please do what farmbabe said....talk to your ins agent, a lawyer and consult the state police office about cdl requirements, since you will be a commercial hauler. |
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Veteran
Posts: 177
Location: East London South Africa | Howdie If I could offer you one word of advice - that would be to ALWAYS carry a comprehensive 1st aid kit for horses with you. It should contain amoungst other things tranqualizers. You need to know how to use them and Always get the owner to sign an imdemnity and also permission to administer the trank... this is just in case. As said above some horses travel well, others dont...and you need to be prepared to deal with a stressed or "freak out" horse while on the road. I do not like to give tranqualizers, but sometimes it is needed - so that the other horses in your trailer do not also get injured. I have done 1000's or miles hauling other peoples horses, most of which went without a hitch - but just be prepared for the unexpected. I live in SA - so cant offer any advice on insurance etc. Good luck with your venture - it sure is a great way to see the Country.... Cheers for now ----Nick |
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Regular
Posts: 85
Location: Ocala, FL | My advice is don't do it! First of all, you can't make money from it. By the time you deduct your expenses and something for your time, the customers will normally not pay. Don't forget to calculate wear and tear and maintenance on your rig. Don't haul anything anywhere without checking with DOT regarding regulations, licensing and insurance. You also have to have all the permits etc for all the states you drive through! We, actually, have been hauling professionally for about 15 yrs. The economy has hit our business very hard as well and people are getting horses for cheap or free and just don't get why they have to pay more for the haul from CA to NY than they paid for the horse! We have basically quit hauling except for some very close customers that know our worth. It is not worth taking the chance on the roads (especially in winter) if you can't make money from it. I know a lot of people do this work illegally - no license, not proper insurance, but if you ever have a problem and something happens to a horse, you could lose everything. It's really not worth the chance. |
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Veteran
Posts: 177
Location: East London South Africa | Buffy has a point, but there certainly will always be a market for the out of the way trips. Trips that the commercial haulers do not normally do. But I would be very carefull whatever you decide. One other thing that I did is fit a camera in the trailer - just so you can monitor the horses back in the trailer. I once had 4 horses in my trailer - one of them was a youngster. We left home at 4am on a 1000km journey and 3 hours in I noticed that the youngster was haveing a moment... I never felt a thing - so if I never had the camera I would not have known... well the young colt - in its panic - sliped and fell down, with its legs between the other horses legs and couldnt get up... was quite a scary senario... but fortunately I saw it as it happened and was able stop and help the youngster to its feet... we were very lucky to not have any serious injuries.... As they say - prevention is better than cure. Good luck anyways. |
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Extreme Veteran
Posts: 399
Location: Ottawa, Illinois 61350 | I have had customers (trailer business) that have been from small to large commercial haulers. Most of them have gotten out of the business; and have told me that "whatever problems you thought you had before, aren't nothing compared to what you have in the horse hauling business"! You will get the blame for "ANYTHING" that happens to your customers horse while enroute. You will basically wear out your equipment, and have nothing to show for it, but repair bills. My advice is to find something else to do with your time; as it just isn't worth the headaches. The worst story, was a large commercial hauling customer that was pulling an 8 horse rig during the midnight hour, and came over an overpass on an interstate and there in front of him was a rental truck STOPPED in his lane with no lights on. He could not get over in time; and rearended the rental truck at full speed. Totaled his truck, injured him for life; but because the trailer was a high quality trailer; it stayed intact, with minimum damage to the GN. You just never think it will happen to YOU. |
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Veteran
Posts: 219
Location: Mt. Clemens, MI 48043 | jim bob - I'm sorry about your friend. krisell26 - I would discourage you. We have people haul our horses in our trailer when we can't get a truck. We pay for the mileage, the gas, and anything else needed. We do not use their trailer unless it is an emergency and there hasn't been one yet. I wrote to these wonderful people a long time ago about the very same thing. The advice has not changed and they were correct. Mean horses, unsafe conditions, mean people - lots of paperwork. You will be a position of getting sued. Would only do this for a few- super -knew them forever and ever people - even then I would have the T's and I's crossed. Good Luck with your decision. |
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Expert
Posts: 1351
Location: Decatur, Texas | Like the last couple of people said, don't do it to try and make money. Will never work out hauling just 3 at a time and doing it for mileage. Then if you do end up trying it, think about the wear and tear on your Yukon XL, they built for family and recreational vehicles not constant towing day in and day out. Then you will need to figure out where you will be able to haul hay and water with you just incase there is no place to stop if you have to lay over in the middle of no where.
That is why when you see people that haul for a living, you see anything from 1-ton duallies with 6+ horse trailers up to class 8 big trucks that will haul 10 to 12 at a time. These ae the ones that can get by with charging by the mile.
Sorry, to put a dark cloud on you thoughs, but there is more to it than insurance and lic.... |
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Regular
Posts: 85
Location: Ocala, FL | Originally written by Barfly on 2008-11-07 11:13 AM Buffy has a point, but there certainly will always be a market for the out of the way trips. Trips that the commercial haulers do not normally do. But I would be very carefull whatever you decide. What people don't consider is that ANYONE that hauls a horse for someone else and gets paid (money, supper, gas money, etc) IS a commercial hauler! Once you accept any compensation for hauling, you need all the licenses and insurances and etc. etc. etc! |
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Expert
Posts: 5870
Location: western PA | Best advice? Listen to the experiences of others, and don't do it. Many problems will be involved: driving requirements and legalities, state and interstate rules, wear and tear of equipment, proper and expensive insurance, possible litigation involving dissatisfied customers, non payments etc. My wife and I bought all the necessary equipment to start a wedding carriage business. When we were ready to start, I called my insurance agent for the proper coverage. Fortunately he was knowledgeable about what was entailed, and for the next twenty minutes, gave me a detailed accounting of the costs and pitfalls. We abandoned the project before a single event was scheduled. Imagine the spectacle of a bride, on the most important day of her life, trying to recover from a large Belgian shod hoof standing across her foot. Lawyers salivate at the thought of prosecuting that lawsuit. Don't set yourself up for a fall. Gard |
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Location: KY | and above all remember NO GOOD DEED GOES UNPUNISHED |
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Expert
Posts: 3853
Location: Vermont | Originally written by krisell26 on 2008-11-06 7:41 PM I'm looking to supplement our income due to being laid off from my job. I have a great trailer and I've had tons of requests to haul horses. I have lots of questions! What sort of insurance do I need to protect myself? I have US Rider for my own horse trailer/truck and have the trailer insured through our auto policy. Do I need a CDL? It's just a Yukon XL and a 3 horse corn pro slant. It tows very nicely, and has ample power, provided I don't go up and down WV hills. KY hasn't been too bad so far. Besides trading it in for a dually, (because I know someone will tell me that, and it's not an option), what other things do I need to consider before starting? I plan to keep the fees to mileage at this point and start out inexpensive so I can build a customer base. US Rider does NOT cover commercial operations...http://www.usrider.org/faq.html#faq23 You know how you make a small fortune in the horse hauling business??? Start with a large one...
Edited by PaulChristenson 2008-11-08 5:15 AM
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Expert
Posts: 1351
Location: Decatur, Texas | YOU ARE RIGHT! Start with a large one and watch it get smaller and smaller! |
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Expert
Posts: 1877
Location: NY | a man I know stared with a two horse trailer and now has a fleet of trailers in ny pony express just do your home work and you could do it |
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Member
Posts: 17
Location: KY | Thanks for everyone's advice! I don't want to do anything large or cross country. Just local and maybe into OH and IN. I live in KY. I'm also almost done with my equine massage therapy class. |
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Regular
Posts: 85
Location: Ocala, FL | Originally written by krisell26 on 2008-11-09 8:05 AM
Thanks for everyone's advice! I don't want to do anything large or cross country. Just local and maybe into OH and IN. I live in KY. I'm also almost done with my equine massage therapy class. LOL So obviously you didn't really want advice, you wanted a pat on the back and some free advertising! You have not heard one word any of us said. It doesn't matter if you do 3 states or 33 states ..... the same crap applies! |
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Member
Posts: 26
Location: Kingsland, TX | First of all......good luck in your endeavor. Second of all.......get legal, because when Mr. DOT stops you it won't be very pleasant. You are a commercial business regardless of truck/trailer combination and all federal/state laws apply. The insurance is a big hurdle (costly) and getting everything else legal is just a matter of doing it. I've been in the trucking business before and enjoyed it, but I always made sure everything was squared away and didn't have to "explain" anything to the DOT. Good luck and do your homework. |
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Member
Posts: 17
Location: KY | So obviously you didn't really want advice, you wanted a pat on the back and some free advertising If I wanted free advertising, I would have gone ahead with the specifics. There always has to be a nasty person with their nasty comments. I did want advice; I think people have taken it that I wanted to do long hauling, which I clarified. I don't need pats on the back. I got laid off from my job 2 weeks ago and I am now switching careers. I merely wanted to point out that I have more things that I can do besides haul horses. Didn't need the negativity! Keep it for yourself, I don't need it! |
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Expert
Posts: 1877
Location: NY | you could start off doing the runs that the big guy do not wont to do, you could do vet runs, one horse moves etc, see if the other haulers could use you for these type of jobs. people moving from place to place with one horse good luck and keep hope a live |
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Expert
Posts: 1351
Location: Decatur, Texas | Is your trailer a stock type or actually a 3 horse slant load. THis will also make or break you, I would not pay anybody to haul my horses in a stock trailer unless it was life or death!
Also remember you are using a YUKON XL, so the life of it will now be cut in half at the least when you start hauling all over the state with it. Again, they are not built for everyday hauling like that! BUY A LARGER TRUCK and trailer first then re think your hauling. More people would be interested if you show up in something built for the job you are doing.
Would you go to a gun fight with a knife? |
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Veteran
Posts: 219
Location: Mt. Clemens, MI 48043 | If I'm reading correctly you are finishing your Equine Massage Therapy class. You will want to start working and getting customers. I think this might work since you are hauling horses to work on them. This is still commercial work but you just have to be careful. I would start just around KY - then go to other states. Do your homework! We know there are farriers and dentist that travel all over. Good Luck! |
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Expert
Posts: 5870
Location: western PA | Originally written by krisell26 on 2008-11-09 7:45 PM There always has to be a nasty person with their nasty comments. I did want advice; Didn't need the negativity! Keep it for yourself, I don't need it! Several things are obvious from this dialog: 1) You haven't checked with your motor vehicle department about your status of driving for payment. 2) You haven't checked with your insurance carrier about coverage for the same criteria. 3) You haven't checked with an attorney about the same specifics. In today's litigious society, bad things happen to nice people. You don't have to be in the wrong to loose a lot of money. Defending yourself successfully can drain your bank account; attorneys expect payment whether they win or loose. An infraction of motor vehicle laws can result in fines, an injury to yourself or others can be life altering, damage to your equipment can be expensive. Yes, these are negative statements, and they are all true and based on personal encounters. Some of us have had experiences, that with some knowledge, others would not have to repeat. No one "needs" or wants bad things to happen, but the facts are they do so, and often. We are offering you our best advice and information, and only ask for your respect of considering what was offered. We can lead you to water, the rest is up to you. Gard |
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Expert
Posts: 3802
Location: Rocky Mount N.C. | Hook up, Load up, and hit the road.... Sit around and worry about license, lawyers, and a bunch of rules and you'll end up in the soup line!! Remember this..... "Learning To Do, Doing To Learn, Earning To Live, Living To Serve" This is what I would do if I were out of work, I would haul with what I got until I could see further..... You got a price per mile set in your mind yet? I used to do pretty good years ago hauling to day shows with a "STEEL STOCK TRAILER". Every one was from the same barn. I'd haul 5 horses, .50 a mile round trip. I would be gone for 12-14 hours, $250.00 for a 100 mile round trip, that won't bad in 1980!! I would pack them in there and they would all pay the same price and the folks would feed me three or two times that day too!! We kept our boarding barn full all the time because folks without a trailer and well behaved horses knew they could get a ride to the show. No kickers, no cribbers, no stallions and they had to be healthy unless it was a run to the Veterinary Teaching Hospital .. It beat sitting around the house being miserable!! Good luck with your new venture!! I myself, don't haul anymore, folks want to complain about the price... I guess they don't realize what a truck and trailer cost to operate and maintain these days.
Edited by retento 2008-11-10 10:20 AM
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Expert
Posts: 1351
Location: Decatur, Texas | OK, say you get 1.00 mile round trip per horse that equals 3.00 miles say it is a 100 miles round trip that is 300.00 WOW that is great, now lets take off the gas a todays price in Texas and figuring your Yukon might get 14 mpg loaded if you are lucky that would be about 14.29 for gas, $20.00 if you think about eating then 12 to 14 hours you will be either driving or setting at the show waiting for everyone to finish their class. So you have actually only $34.29 out of pocket (if you have no problems) leaves you 265.71 divided by 14 hours will leave you with 18.98 per hour less the wear and tear on your truck and trailer. Now that is if you can get 3 people to pay you 1.00 per mile. Around here everyone wants to trade out work or transportation later. So you may get lucky and get .50 to .75 per miles which now cuts you bottom line in half!
I know myself, I will not run my truck and trailer up and down the road and spend 12 to 14 hours for 19.00 per hour. Maybe if I could do 6 to 8 horses at a time for 1.00 per horse per mile I might think about it!
Guess my time is worth more! |
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Expert
Posts: 3802
Location: Rocky Mount N.C. | You can't do for $1.00 now days.... But there's one that will haul them for less than $1.12 per loaded mile!! http://www.uship.com/community/stories/uShip/47463/Thanks-to-UShip-my-horse-is-here/ I don't think I would do it now days for $5.00 per loaded mile.... Big list of folks hauling, http://www.naturalhorsetraining.com/HorseTransport.html I travel I-95 alot and this time of year and in the spring you won't go five minutes and not see a commercial hauler..... They'll be backed up 12 trailers deep at the Ag. inspection station at Jacksonville, Fl. |
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Expert
Posts: 1351
Location: Decatur, Texas | I was just using that 1.00 per mile figure just to show her in even numbers that it would not be worth it. I would not do it for 5.00 per mile either! Unless it was someone I knew and a 1 TIME DEAL, with every thing related to liability issues signed by me, them and anybody else standing around. Too many things can go wrong! And if I remember right the ol' saying is, "if it can go wrong, it will go wrong"! |
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Expert
Posts: 1723
Location: michigan | personally, i don't want to be a pessimist since there is a horse hauling industry ( small yes) someone is making money at it. It can be done but I'd want to have my home work done before I jumped in. I'd want to know about insurance,DOT laws and other regualtions even if i wanted to haul local routes. I'd want to know how much my expenses would be per mile and how much of demand there was. I'd talk to other small time haulers, pick their brains and get as many ideas that i could. Unmet demands is where the money is. if you think you can do it, then go for it. |
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Extreme Veteran
Posts: 362
Location: Allegan, Michigan | Ok, I spoke with my cousin who is a police officer in Kentucky. You better get your ducks in a row and do some serious research in your state laws. One you can not commercially haul horses with a SUV. Those vehicles are not rated for hauling anything larger than a standard 2 horse straightload bumper pull. If you get pulled over hauling anything larger than that, they will call the Weighmaster and if you are over the GVWR of your vehicle you will be in some serious serious trouble my friend. You especially do not want to get caught on the interstates. KSP is very strict on enforcing that, especially with the racing industry there, they have PETA and HSUS and all those animal rights groups on their backs to ensure that. He says he also pulls folks over and checks for coggins tests. So before you even think about hauling out of state, you better check your laws while driving in state. He also said you would need a CDL and said something about your vehicle and trailer would need to pass inspection. You would need proof of commercial insurance and a business license. He said something about bonding. Wasn't sure what he meant about that. He said they ARE cracking down on it especially since the number of horses coming in and out of Ky. So if I were you, I would hang it up and find another occupation that won't land you knee deep in fines and losing your license. |
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Expert
Posts: 1205
Location: Danielsville Georgia | Couple of haulers I personally know are not licensed etc.They also tell customers up front they don't carry any insurance on horses they are hauling.If you think they are worth any kind of money that YOU need to buy your own insurance.One of these guys has been hauling a good number of years.Up until the last couple weeks horse hauling has been dead.Been dead for months.Personally I would not want to haul live animals for lots of reasons.Under the gun to get to destination and off load,can't stop and overnight etc.Hauling cars or motorcycles seems a lot less stress.Plus you would not believe the replies to quotes.Folks are shocked to find out what it costs to haul OLE Thunder down the road.I know one guy and wife that only haul so they can get someone else to pay for their vacation to California etc.a few times a year. |
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Regular
Posts: 54
Location: Danielsville,Ga. | Originally written by Buffy111_99 on 2008-11-07 8:41 AM My advice is don't do it! First of all, you can't make money from it. By the time you deduct your expenses and something for your time, the customers will normally not pay. Don't forget to calculate wear and tear and maintenance on your rig. Don't haul anything anywhere without checking with DOT regarding regulations, licensing and insurance. You also have to have all the permits etc for all the states you drive through! We, actually, have been hauling professionally forabout 15 yrs. The economy has hit our business very hard as well and people are getting horses for cheap or free and just don't get why they have to pay more for the haul from CA to NY than they paid for the horse! We have basically quit hauling except for some very close customers that know our worth. It is not worth taking the chance on the roads (especially in winter) if you can't make money from it. I know a lot of people do this work illegally - no license, not properinsurance, but if you ever have a problem and something happens to a horse, you could lose everything. It's really not worth the chance. I agree with everything you said,except the "you can lose evrything" the most damage anyone can collect ,under any condtions,even if you deliver the horse dead,is the value of the horse,if you deliver a 1,000 horse dead,then you owe the owner ,1000 dollars,if it was your fault. I don't see how anyone can make a living hauling horses,your advice was excellent. |
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Extreme Veteran
Posts: 522
Location: Tucumcari NM | Originally written by hounddog on 2008-11-13 5:48 AM
Couple of haulers I personally know are not licensed etc.They also tell customers up front they don't carry any insurance on horses they are hauling.If you think they are worth any kind of money that YOU need to buy your own insurance.One of these guys has been hauling a good number of years.Up until the last couple weeks horse hauling has been dead.Been dead for months.Personally I would not want to haul live animals for lots of reasons.Under the gun to get to destination and off load,can't stop and overnight etc.Hauling cars or motorcycles seems a lot less stress.Plus you would not believe the replies to quotes.Folks are shocked to find out what it costs to haul OLE Thunder down the road.I know one guy and wife that only haul so they can get someone else to pay for their vacation to California etc.a few times a year. If you are going to do any kind of business, horse hauling included, you had better have insurance. If you have an accident, if a horse is injured, or if your customer is just being a hard-a**, you can be sued and you can lose more than just the value of the animal. Juries just love to award damages based on pain and suffering or emotional distress Here in NM it used to be the norm for the Navajo Indians to cut the fences along interstate 40 and herd their sheep, goats, or horses onto the roadway. Every time an animal was killed, the Navajo owner was paid many times what the animal was worth, regardless of the injuries or deaths caused by their animals. If there is a dollar to be made, you can bet someone has figured out how to make it and to heck with the harm it causes others. I own a cowboy cooking school, and I have to carry a large insurance policy just in case someone gets hurt, even though they sign a waiver when they register for the class. Marla
Edited by Marla 2008-11-14 9:20 PM
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Regular
Posts: 85
Location: Ocala, FL | Originally written by muleskinner on 2008-11-14 7:56 PM Originally written by Buffy111_99 on 2008-11-07 8:41 AM My advice is don't do it! First of all, you can't make money from it. By the time you deduct your expenses and something for your time, the customers will normally not pay. Don't forget to calculate wear and tear and maintenance on your rig. Don't haul anything anywhere without checking with DOT regarding regulations, licensing and insurance. You also have to have all the permits etc for all the states you drive through! We, actually, have been hauling professionally forabout 15 yrs. The economy has hit our business very hard as well and people are getting horses for cheap or free and just don't get why they have to pay more for the haul from CA to NY than they paid for the horse! We have basically quit hauling except for some very close customers that know our worth. It is not worth taking the chance on the roads (especially in winter) if you can't make money from it. I know a lot of people do this work illegally - no license, not properinsurance, but if you ever have a problem and something happens to a horse, you could lose everything. It's really not worth the chance. I agree with everything you said,except the "you can lose evrything" the most damage anyone can collect ,under any condtions,even if you deliver the horse dead,is the value of the horse,if you deliver a 1,000 horse dead,then you owe the owner ,1000 dollars,if it was your fault. I don't see how anyone can make a living hauling horses,your advice was excellent. You are right except if you are sued by a customer and the authorities find out you are hauling for compensation, you can lose your truck and trailer! Actually, if you are pulled over and found out, you can lose your truck and trailer. |
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Expert
Posts: 1205
Location: Danielsville Georgia | I can guarantee you that there's many haulers out there with no nothing but a truck and trailer. |
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Member
Posts: 26
Location: Kingsland, TX | There are always going to be people who "skirt" the law. If that is the chosen way then "run silent and run deep." |
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Member
Posts: 12
| Check out Uship.com They have tons of horse/livestock haulers. It is like ebay where the haulers bid for the chance to haul a person's animal. |
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