I agree with the previous poster - if the HOA "hires" him as an "independent contractor" the HOA should be requiring GL coverage. i would go one step further and also require that he either also obtain Workers Compensation insurance. If this person were to get injured while doing...

If the exclusion is on the policy, then the policy will not respond. It is possible that there is a tailored insurance product that Uber or Lyfft has that provides coverage. If your customer is utilizing these services, ask them to provide you with a copy of the contract, including any insurance pro...

I have worked for several agencies, all urban small to mid-size (under 50 employees). With the exception of "Program Producers" (those that work solely on agency-made program business) all leads are generated by the producer, who is given phone, computer, office, vehicle, and other expense...

I agree, PFS is a great company that I have dealt with in several states. Their customer service is pretty good, their rates are pretty average, and you can issue online, which is very convenient. However, premium financing for me has not made much sense. I typically try to place what I can on direc...

Whether you open early or stay late, or both, really depends on the type of P/C business you are targeting. If you are looking to write more personal lines risks, then being open later during the week and on weekends has big advantages, because then you are available during much of the same time you...