JOEY52 - I don't know how you correlate Homeowners coverage with BOP coverage. There simply is no comparison. The Farmers Contractors BOP is highly competitive in coverages for some classes, including Electricians. The only problem is an 11/85 form or equivalent is needed. Farmers generally will not...

There is also one other answer, at least in California. If your client is willing to pay a certified ADA consultant to come out to the building and do an inspection and your client's building is then certified as ADA compliant, it works as a defense against Third-party ADA claims to get lawsuits dis...

It always amazes me how much venom comes out every time somebody asks a question about Farmers Insurance. It is almost always the same group of people who do it. It just seems to linger for years. When an anger lasts that long, you really have to start looking inside yourself to find out how to get ...

This has reared it's ugly head a number of times in California. I had one client who was sued because his diasbled parking sign was not completely correct, his bar on the bathroom was was 2 inches tow low and his counter for ordering was not low enough. Attornies hire truly disabled people to come i...

Humor - I like it!

We were also told only package business for Travelers and any violations could cause revocation of the agency appointment.

Ok- I have been with Farmers for 21 years. Some have been really good and some have been really ugly. I have been very fortunate to be very successful. That, however, is due to the fact that I am a commercial agent. I wrote more commercial polices last year than auto or home. I found over the years ...

What state are you in?

Also, I would think that you would be better off partnering with an existing agency who has the appointments that you need. Your clientele base points toward a substandard carrier. It may be better for you to split commissions and let somebody else do it.

You should be able to use Hagerty for that situation

CSP is correct. We had an ex-employee get into our computer system, delete her file and then claim that we never paid her vacation pay. Our computer guy was able to go into the log, find the deleted files and pull them up. Our ex-employee is now under investigation for filing a false claim. Even tho...

We have found over the years that the only producers who have worked out have been commission only with no base salary. If you think about it, nobody gave us a base salary and we had to bust our butts to survive. Every time that we have given a base, the person has failed. I am not saying that commi...

I have found that you have to find one that you like and go to it religiously. It took 5 months for my first sale and then it helped build my business over years. Make sure you are the only broker in the group. If they do not control it that way, then it is not worth going to.

There are a number of issues that I have seen going against ADP. 1) They do not like to give a written proposal. They will only give a net rate per $100 of payroll. So there is no transparency. 2) They will say whatever they need to say to try to close the deal. (OK - this may not be true all of the...

I agree completely. If you can increase your retention, your income grows. An agency with $500K in commissions coming in will increase their income by $50K if they improve their retention by 10 points. People are generally looking for a reason to stay with you, not leave. So, give them service. Make...

They do use Independent agents outside of the core 29 states. It would be a lot easier if it were an independent outfit. The problem that really comes up is that Zurich is Farmers' master. They are required to send a lot of money to Zurich each year that add to the premium. It comes out to over 10% ...

It is hard to argue with Sacman. Farmers can take you down anytime they want to. And your DM/DMM is not communicating clearly with you about the subsidy. It is a loan that can be nullified by production but it is still a loan. That being said, it is still a numbers game no matter if you are with Far...