Looking for quake markets to cover personal residence in CA.
HO value [Travelers] $438,000.
Know of Geovera, Pacific Select, Pacific Specialty, Axis and the CA Quake Program.
Any others? If so, how to access?
Thanks.

Let's see. I need insurance. Should I go to Facebook or Google for a local agent? My money is on Googling and this points out the necessity of insurance agents to be very involved in the key words and site content that will take them to the head of their class in Google. A site without excellent key...

I've had this situation. Proprietorship for 3 yrs and then inc'd. After you inc your E&O should show as Insureds both your current inc name and your former proprietorship name. If you purchased E&O when you were a proprietor you could still be sued for something that occurred from that perio...

Bottom line: Contractors invariably buy price instead of coverage -- anything in a storm so that they can give certs. There are exceptions but guys of the ilk that you discuss usually fall into that category. Unfortunately, that puts their customers at a disadvantage unless you have a 20 Questions s...

What is your definition of "transaction based?" Specifically, what is your client: a RE broker, RE agent, mortgage broker, mortgage banker, title agent, etc.?? This is one area where it pays to be very specific in your description of risk/exposure. Frankly, the GenStar program is good but ...

If it meets the criteria that I discussed [rated carrier-it does; own limits rather than a basket-it does; etc.] then you shold be ok. it appears that the FF program is like the Lex's: placed in an RPG as a marketing vehicle which makes it easier to move or sell to another carrier should they decide...

Some issues that should be considered: RPG's are federally overseered and only subject to state approval -- states usually rubber stamp when federally approved. They will debate you mightily that that is not the case, but it really is. Ditto RRG's which CA routinely approves without regard to capita...

The best advertising is doing a great job for your clients. Our shop's clientele has increased steadlily over the past 9 years by only word of mouth: totally satisfied clients who spread the word to others. Every single bit of our book is the product of referrals. We have never cold called, used lea...

Ins E&O writers routinely do not provide coverage for insurance companies with a Best rating under a specified level, usually it is in the B 10 range. If a claim is filed for a lesser rated insurer they might cover one for sales and service allegations, but definitely not for insolvency allegati...

Don't give the impression that RRG's are the only ones that could possibly manage the money in a less than forthright fashion -- insurers aren't exempt from that allegation. When the market is tight RRG's make a market offering their members/subscribers/owners/insured's insurance at a relatively rea...

Hopefully this is the last word to this inane discussion. Being opposed to an issue such as illegal immigration is not hateful. It is respectful of citizens' rights. What is hateful is one who tries to treat the social issues of today with the aplomb of 1933 Germany. Disagreement and discussion is w...

OK - I will ask the question because I'm really confused: when did the word "illegal" morph into "legal?" If citizens do something "illegal" we are given an appropriate punishment under the law. Isn't a person who is in this country illegally, by that act alone, eligibl...

The Bank of American gives illegal aliens bank accounts without an SSN so if the individual has a checking or savings account with Bank of American they should be able to lead him to an insurer who will sell him a life insurance policy where an SSN is not necessary. BTW, unlike their illegal account...

One of my clients is an HVAC contractor in Temecula. His work has all been in that area. Now however, he has signed a contract to perform regular preventive maintenance on the HVAC system of an offshore oil well. Once a month he will be transported to the offshore well by boat [3-5 miles] where he w...

I'm curious to know: [1] if anyone is still placing business with the AIG P&C companies after all the ado; [2] how your insureds are reacting to being insured by AIG companies.; and [3] If you are still placing business with AIG, are you securing "chicken" letters which are usually req...