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 supply that. Be aware that Farmers will only go to $1,000,000 in payroll for the Contractor BOP. So, if you do get this guy to leave Farmers and a problem occurs and his payroll is too high, Farmers will not take them back and you may end up with a problem, especially if you move the guy from a preferred market to surplus lines, which is illegal in California. Be careful.