Search found 62 matches

by wariline
Fri Jun 05, 2020 10:11 am
Forum: Opinions
Topic: Riots & Protection
Replies: 6
Views: 3871

Re: Riots & Protection

I believe for the terrorism coverage to trigger, it needs to be certified by the secretary of state.
by wariline
Fri Feb 07, 2020 3:16 pm
Forum: Opinions
Topic: Non-Compete Agreement
Replies: 3
Views: 19572

Re: Non-Compete Agreement

I have no idea how often those "non-compete" agreements are actually enforced by prior employer, but I doubt many would go through the trouble unless they're hurt by your action. If your move is a done deal, I'd suggest you to discuss the matter with both the new and old employers. Most employers pr...
by wariline
Fri Oct 18, 2019 12:06 pm
Forum: Hard-to-Place Accounts
Topic: State Farm Personal Articles Policy
Replies: 4
Views: 21051

Re: State Farm Personal Articles Policy

there should be some coverage for the bike then, unless they have a high deductible. You can always get a standalone policy though. Some may not be too fond of writing bikes, and may require the insured to have some jewelry coverage.
by wariline
Fri Oct 18, 2019 11:49 am
Forum: Hard-to-Place Accounts
Topic: State Farm Personal Articles Policy
Replies: 4
Views: 21051

Re: State Farm Personal Articles Policy

Not a SF agent - sorry can't help answering it. I'm curious, however, which homeowner carrier you used for the client? They have a sublimit on bicycles?
by wariline
Tue Nov 13, 2018 1:13 pm
Forum: Hard-to-Place Accounts
Topic: HO-6 or DP1 DP2 for a rental condo
Replies: 7
Views: 29999

Re: HO-6 or DP1 DP2 for a rental condo

I've seen 2 ways carriers insuring a tenant occupied condo. Some carriers developed separate products for such situation, and called it HO9/DP9 (at least informally). Others simply use the regular HO6 form, but a "Unit occupied by tenant" endorsement needs to be added. The latter is probably more pr...
by wariline
Wed Oct 17, 2018 4:23 pm
Forum: Hard-to-Place Accounts
Topic: Hunting guide service
Replies: 2
Views: 19695

Re: Hunting guide service

check with Philadelphia ins.
by wariline
Mon Oct 01, 2018 12:01 pm
Forum: Hard-to-Place Accounts
Topic: Commercial auto
Replies: 7
Views: 27454

Re: Commercial auto

Commercial auto in CA has been pretty tough for a couple of years now. Many carriers are now requiring supporting business. However, there are still many write artisan contractors - Mercury, Travelers, Kemper Specialty, Metlife, Amtrust, Nationwide & Progressive. Guard's rates, however, is very comp...
by wariline
Mon May 21, 2018 3:45 pm
Forum: Opinions
Topic: Advice on switching to independent
Replies: 5
Views: 4119

Re: Advice on switching to independent

You can probably start by looking at which carriers the brokers have direct appointment - either through its website or DOI's website. If the broker has multiple carriers that typically only write preferred risks/Good driver policy, such as Safeco/Travelers/Metlife/Kemper Preferred, then there's a g...
by wariline
Wed Nov 29, 2017 5:04 pm
Forum: Hard-to-Place Accounts
Topic: Out of State License Requirements
Replies: 4
Views: 22486

Re: Out of State License Requirements

I think you do need a non-resident license if the policy is written by carrier you're directly appointed. If you're writing the policies through a wholesale broker, that broker needs to be licensed in those states - not too sure about whether you still need to have or not.
by wariline
Tue Nov 07, 2017 2:13 pm
Forum: Hard-to-Place Accounts
Topic: Binding Coverage Same Day as Quote
Replies: 6
Views: 25373

Re: Binding Coverage Same Day as Quote

Which state are you in? There're a lot carriers allow same day binding in California. Some may issue the policy effective the next day, but binding coverage when the agent receive everything - signed apps, payment etc - and click "bind".
by wariline
Tue Nov 07, 2017 1:29 pm
Forum: Hard-to-Place Accounts
Topic: BOP vs. Commercial Package Policy
Replies: 6
Views: 25498

Re: BOP vs. Commercial Package Policy

There are quite a few standard carriers writing artisan contractor on BOP now. Some may have limited property coverage that cannot be increased, but GL side is pretty standard ISO forms. But I'm surprised MetLife would write someone works on Medical facilities.
by wariline
Fri Dec 09, 2016 4:37 pm
Forum: Opinions
Topic: Drive other car
Replies: 8
Views: 8042

Re: Drive other car

gforaker wrote:This client really needs a named non-owner personal auto policy.
If they have DOC, why do they need a separate non-owned policy? Personal line non-owned policy typically has lower limits, and does not cover Comp. & Coll.
by wariline
Fri Dec 02, 2016 4:57 pm
Forum: Opinions
Topic: Drive other car
Replies: 8
Views: 8042

Re: Drive other car

I think the DOC form - at least the carriers we use - automatically includes the spouse if the spouse is in the same household. So there's probably no need to list both name on the Husband's policy. If that's confirmed, I'd say only list Mr. on Mr.'s Corp policy, and list Mrs. on Mrs. LLC policy.
by wariline
Tue Aug 16, 2016 11:55 am
Forum: Hard-to-Place Accounts
Topic: Special Construction (Mokelumne Hill, CA - Calaveras County)
Replies: 3
Views: 6923

Re: Special Construction (Mokelumne Hill, CA - Calaveras Cou

Have you checked with California Fair Plan?
by wariline
Thu Jul 28, 2016 2:48 pm
Forum: Hard-to-Place Accounts
Topic: aggregators or groups that specialize
Replies: 3
Views: 6772

Re: aggregators or groups that specialize

Depends on the state. I'm only familiar with California markets - Progressive (Drive), Foremost, Infinity, Kemper specialty, Mapfre (Commerce West).