I'm one of the ex-Farmers agents alluded to by one of these posts. I started out with Farmers in 1982 and we parted company in 1989 at exactly 7 years. I then went I/A and I've posted on many of these forums about Farmers and there is abslolutely no love lost between us. Farmers is responsible for t...

I use the Applied Systems TAM (The Agency Manager) I don't know what the current price is but I compared it with Haswksoft. http://www.hawksoftinc.com Their monthly cost was lower than my current with TAM but their subscription cost + the monthly cost was greater, annually, than my current annual co...

Yes that is an idea. I just need to clear up the the little problem of his partners in his corp being partial "owners" as he says. So I got a copy of the appraisal which shows who holds title which is him as an individual, yet when I talk to him he says that he and the other officers own ...

Should both betterment and depreciation apply on the replaced machine cost only or both betterment and depreciation apply on the replaced machine cost and the labour/workmenship incur for the replacement ? My understanding in the above situation is that depreciation would not apply in a replacement...

Like one of the other posts here, I started out life with Farmers. I also had GI bill education benefits. Since, as the agency principal for an encumbered agency, I felt that I needed to learn about running business I took as many courses as our local community college offered. The distict manager w...

One employer I worked for made the switch and purposely screwed over their employees by reducing the total number of PTO days (i.e. rather than 17 days total for sick/vacation as above, they changed it to 12 days PTO). A number of employees left because of that. I hate to say it but if he did it pu...

I would like to achieve my CIC Designation in 2009. The National Alliance is what I have found so far in Texas. They offer a 3 day study session, and then an exam on Saturday. Is this the best way to go? You don't say how many years you have in the business. The CIC designation is as much an affirm...

While I can (sort of) understand the need to cover extra bases for a property related policy, the question had to do with GL. I can not think of a scenerio where the GL would ever come into play... unless your business employed a terrorist? And, said terrorist did something icky while under your em...

This is a for what its worth comment: Brooke Insurance is listed on the Oregon DOI Website five times. Once as BROOKE AGENCY SVCS COMPANY LLC, Non-Resident License Number: 813451 with 12 affiliations. Once as BROOKE AGENCY SVCS CO LLC , Resident License Number: 816344 with 20 affiliations. Once as B...

Does CIGA work differently from OIGA (Oregon Insurance Guaranty Fund)? In Oregon they assess all insurors for funds paid out of OIGA. My impression from this is that, if CIGA is in debt it is because funding revenues are not adequate to pay their operating expenses. They should have had a surcharge ...

I started out life with Farmers too!! 26 years ago. Farmers is responsible for the large percentage of the scratch indendent agencies that I see or meet at the PIA convention. I was appointed by Farmers for 6 1/2 years when we agreed to disagree and my agency appointment ended after I completed a fu...

We're still quoting and writing their personal auto, the only area that we have affiliation with them. Their rating is still A * Under Review . While this is still a serious drop from A++ and not a positive indication, they are still an admitted carrier and I will still not be extremely concerned un...

Having started out life with Farmers Insurance Group, 26 years ago, and now working on both sides of them (Zurich & Foremost), I think that a lot of the things that have been mentioned here can be attributed to their sales philosophy of throw as many new agents up against a wall to see how many ...

Does anyboy have a letter that they get signed by builders risk clients that states the policy has no liability? I am looking for someing to have clients sign that will hold up in court if the client comes back and says they thought the policy had liability. Where is the Liability being placed, whe...

IS the same language in the ISO HO policies? I can't remember but I don't think so. AAIS FORM 3 Ed 2.2 2. Contracts and Agreements -- "We" pay for damages for "bodily injury" or "property damage" where the liability of others is assumed by an "insured" under ...