Search found 55 matches

by wariline
Mon May 21, 2018 3:45 pm
Forum: Opinions
Topic: Advice on switching to independent
Replies: 5
Views: 1295

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: 1737

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: 2512

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: 2497

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: 6132

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: 6132

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: 5755

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: 5624

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).
by wariline
Tue Jul 26, 2016 1:43 pm
Forum: Hard-to-Place Accounts
Topic: aggregators or groups that specialize
Replies: 3
Views: 5624

Re: aggregators or groups that specialize

You probably don't need to join any aggregators if you plan to specialize in non-standard personal auto. Appointments from carriers write drivers with foreign license shouldn't be too hard to get.
by wariline
Fri Jul 22, 2016 10:52 am
Forum: Opinions
Topic: Client wnders why his HO premium went up
Replies: 9
Views: 10083

Re: Client wnders why his HO premium went up

d's insurance store wrote:Gee, why carry insurance if you can't get back your premium in claim recovery at least every 3 years?
Exactly. The company still took in more than they paid out. Bloodsuckers.
by wariline
Fri Apr 15, 2016 3:27 pm
Forum: Opinions
Topic: Commercial building with sprinklers
Replies: 2
Views: 36888

Re: Commercial building with sprinklers

It varies from carrier to carrier and probably differs on occupancy, but I've seen somewhere from 15% to up to 40%.
by wariline
Fri Jan 22, 2016 4:55 pm
Forum: Opinions
Topic: Car insurance in SF for non-citizens
Replies: 1
Views: 21060

Re: Car insurance in SF for non-citizens

Non-citizen is not an issue. Many carriers, Progressive, Kemper specialty, Infinity, Foremost, will write drivers w/o a U.S. license. Most of them have a min. 6 months term though. W/o a permanent address could pose a problem. Most carriers will not issue policy if you're staying in a hotel. Also, m...
by wariline
Mon Nov 02, 2015 2:29 pm
Forum: Hard-to-Place Accounts
Topic: Air B & B - California
Replies: 5
Views: 23157

Re: Air B & B - California

sgriswold wrote:Pacific Specialty writes short term rentals. They do a lot of nonstandard risks. I like them.
They have their niches. I seldom use them now that they require the insured to sign on the app that can only be printed out after the coverage is bound.
by wariline
Fri Oct 23, 2015 1:30 pm
Forum: Hard-to-Place Accounts
Topic: Air B & B - California
Replies: 5
Views: 23157

Re: Air B & B - California

Foremost writes short term rentals. How is the guest house insured on the current policy? As other structure?
by wariline
Mon Oct 05, 2015 1:36 pm
Forum: Hard-to-Place Accounts
Topic: Self Balancing Scooters - CA (GL needed)
Replies: 4
Views: 30008

Re: Self Balancing Scooters - CA (GL needed)

wow $36 rates. But I guess they can afford it - product's gross margin is probably 50-70%.