Search found 72 matches

by SFOInsuranceLady
Tue Mar 20, 2012 11:15 am
Forum: Hard-to-Place Accounts
Topic: Meals on wheels - insured with Farmers currently
Replies: 6
Views: 3970

Re: Meals on wheels - insured with Farmers currently

Meytai, Not sure what State you are in, but in California, you have to request the loss runs from your insured and the insured in turn must contact Farmers for the runs. By law, they have to provide these within 10 days to the insured. I work with Philadelphia and you can ask them for a quote subjec...
by SFOInsuranceLady
Wed Feb 08, 2012 2:06 pm
Forum: Hard-to-Place Accounts
Topic: Need Market for a Local Musical Group in CA
Replies: 1
Views: 1482

Need Market for a Local Musical Group in CA

Hi Everyone, I'm an agent in CA and need coverage for a local band going on tour across the United States starting February 17th and ending March 24th. They are considered an "Alternative" rock band - don't need A & B nor "Mosh Pits" - exclusions for these coverages are OK. Looking to insure the G/L...
by SFOInsuranceLady
Wed Oct 19, 2011 11:38 am
Forum: Opinions
Topic: Should I get Cal. Low Cost Auto Ins. in our office?
Replies: 8
Views: 3225

Re: Should I get Cal. Low Cost Auto Ins. in our office?

Roy, It looks like we are all in agreement here. I agree - too many headaches. A ton of paperwork and most of the time, the clients that are inquiring, do not even qualify and those that do qualify let their policies lapse....If you already have something comperable with less work involved, I would ...
by SFOInsuranceLady
Tue Oct 18, 2011 11:31 am
Forum: Hard-to-Place Accounts
Topic: Can you get different rates for same insurer?
Replies: 7
Views: 4638

Re: Can you get different rates for same insurer?

First of all, no question is "dumb". Second of all, I totally agree with Sandra and OCBroker, but I'd like to take it one step further, though. Not sure which state you are in, but in California, if a broker/agent submits an applicaiton for a quote with company "A", and another broker/agent also sub...
by SFOInsuranceLady
Mon Aug 29, 2011 12:00 pm
Forum: Opinions
Topic: CA Auto paperwork retention
Replies: 2
Views: 1221

Re: CA Auto paperwork retention

Sorry....."toss" the originals.
by SFOInsuranceLady
Mon Aug 29, 2011 11:58 am
Forum: Opinions
Topic: CA Auto paperwork retention
Replies: 2
Views: 1221

Re: CA Auto paperwork retention

Although our carriers are attempting to remain paperless, it is our agency that must keep hard-copy files on all of our auto insurance clients. We keep the original signed Acord (or company specific) application, Signed UM disclosure, Community Service Statement, any driver exclusion forms along wit...
by SFOInsuranceLady
Thu Jun 30, 2011 1:01 pm
Forum: Hard-to-Place Accounts
Topic: CA-Guaranteed Replacement Cost
Replies: 15
Views: 8075

Re: CA-Guaranteed Replacement Cost

I hear that Century National writes Guaranteed Repalcement cost, however, the house must be 20 years old or newer. but I'm with "yoyo".....why would you need more than 50% if you are properly insuring the risk? Or is it that you may just want to start writing guaranteed R/C because of the new DOI re...
by SFOInsuranceLady
Mon May 02, 2011 11:59 am
Forum: Hard-to-Place Accounts
Topic: Live Music venue in CA with open A&B claim
Replies: 6
Views: 2548

Re: Live Music venue in CA with open A&B claim

I'm an agent in California, too....what I can't understand is how is the insured operating LEGALLY as a bar that admits ALL ages? I am aware of 18 & older clubs, but not a club that would allow ALL ages....are you sure your client is legitimate? Just with that information alone, I can't see any carr...
by SFOInsuranceLady
Mon Apr 18, 2011 11:18 am
Forum: Hard-to-Place Accounts
Topic: Kentucky Daycare
Replies: 4
Views: 1434

Re: Kentucky Daycare

I'm in CA, however, I can tell you Philadelphia is the way to go!
by SFOInsuranceLady
Tue Mar 22, 2011 11:26 am
Forum: Hard-to-Place Accounts
Topic: Commercial Auto
Replies: 4
Views: 1893

Re: Commercial Auto

Is Century National Insurance Co. an option in Florida? I use them here in California through an MGA. Great coverages and rates!
by SFOInsuranceLady
Tue Mar 22, 2011 11:21 am
Forum: Opinions
Topic: Open your doors and look what comes in...
Replies: 5
Views: 3663

Re: Open your doors and look what comes in...

Wow, D! Been there....done that....SO many times! Looks like she JUST found out that Products/Completed Ops. were not inlcuded in her policy. Probably because she needed a COI for one of these events and the Cert. Holder actually read the coverages, noting that Products/Completed Ops were "not cover...
by SFOInsuranceLady
Tue Mar 22, 2011 11:04 am
Forum: Opinions
Topic: What is your broker of record policy?
Replies: 10
Views: 7141

Re: What is your broker of record policy?

Personally, I don't like using BOR's. The only time we use one is if the client is totally dissatisfied with the other agent/broker and begs us on bended knee. Probably only used 3 or 4 in the last 6 years or so. If we do utilize a BOR, we still have the client complete an "updated" application and ...
by SFOInsuranceLady
Wed Feb 09, 2011 12:18 pm
Forum: Opinions
Topic: UM/UIM on a Personal Umbrella?
Replies: 4
Views: 2244

Re: UM/UIM on a Personal Umbrella?

Sure! In Calfiornia, contact Andrson & Murison, (323)255-2333 or www.AndersonMurison.com. Limits to $1M in CA are available.
by SFOInsuranceLady
Tue Jan 25, 2011 12:51 pm
Forum: Opinions
Topic: Open Office Next to Geico
Replies: 11
Views: 3161

Re: Open Office Next to Geico

Don't get too excited yet.....GEICO's lease may have a "no compete" clause written into it. (We demanded this when we rented our office). Unless you offer products that GEICO doesn't (Commercial P & C) I would tread carefully.....Good Luck!!
by SFOInsuranceLady
Thu Dec 02, 2010 12:09 pm
Forum: Opinions
Topic: Privacy Law situation
Replies: 5
Views: 1607

Re: Privacy Law situation

It sounds like the carrier does not have a named driver exclusion form that can be endorsed onto this policy, therefore, forcing them to underwrite the son on the dad's policy because of the sheer possibility that the son may have access to dad's car since he is living under his roof. I agree with t...