The Linen Company that picks up the linen from the hospital and sends off to a 3rd party to clean is the insured.

It was not AIG but a major player in the industry.

ROR was issued but not to the hospital. It was issued to a linen service that cleans the linen from the hospital. There was a hypodermic needle in the linen. The linen service subs out the linen cleaning to another company in WV. The WV company employee opened up the linen bag and the needle fell ou...

One of our Insured's is involved with a law suit that started back in 2009. To the point - the insurance company is saying that hey will not pay for bodily injury to the claiment due to her being punctured by a needle from a hospital that was wrapped up in the linen that they were cleaning. The insu...

Buckeyes772, gregcw gave you really good advise. It appears that he does not have a side agenda when he resonded to you. One of the things I am glad that he pointed out to you: "gregcw wrote: Even assuming that my area is not typical for American Family, the failure rate for scratch agencies an...

As serveral othes have indicated this subject has gone the gambit several times. I have been in the industry for close to 30 years. Like most of the other posts I agree that you have to be careful what company you hook up with to do your lead generation. Almost all companies out there will not only ...

I have been in the insurance industry since 1985. I have seen a lot of things come and go in that time period. I know right now the hot thing to do is Social Media. I have been researching and in fact started using a Video Email system. I have also had a few of my Agency friends start using it as we...

BiggBoy, This is a very loaded question and will attempt to help. You indicated that you might want to start out for 6 months or so with a Captive Company. The problem with a lot of the captive companies is the contract you sign with them. You may have all kinds of restrictions placed on you, even i...

Meytai, I wanted to let you know that if you have the client go to ANY Farmers agent they can get the loss runs for them. Any Farmers agent has access to this information and can print it off for any account. They just can't make changes or cancel a policy. They can take a cancel form and send it in...

I really appreciate the feedback. Like you I too saw where there could have been an exposure in the same NFPA section. But, in this case the insured is only using water and soap to clean up and the products he is spraying are non-flamable.

Thank you for the re-inforcement.

I have been in the insurance industry for close to 30 years. I was with ISO as well for a short time. In that time period I have found that things change in this industry as quickly as the seasons change. My question is this. NFPA 33 deals with Combustible and Flammable liquids only. It does not add...

Thank you for your help. I will check it out and see if it will work for my office as well. Thank you again for the response.

I was wondering where you can "Scrub" potential clients on the internet for the "Do Not Call List." I know some insurance companies have their tie in's so to speak, but what about and Independent agency that wants to do prospecting. How and where can you scrub yours lists. Is the...

I wanted to share with you a company that I use and have used since 2002. Not only are the leads I receive good leads but they are usually waiting for my phone call. I do not have these leads shared with anyone else either. The company I am using is Client Focus Connections out of Wisconsin. Their p...

I wanted to share with you a company that I use and have used since 2006. Not only are the leads I receive good leads but they are usually waiting for my phone call. I do not have these leads shared with anyone else either. The company I am using is Client Focus Connections out of Wisconsin. Their p...