Search found 274 matches

by Big Dog
Wed Jun 22, 2011 8:50 am
Forum: Hard-to-Place Accounts
Topic: Hi Exmod contractor in CA
Replies: 3
Views: 2242

Re: Hi Exmod contractor in CA

As a former w/c unmderwriter, my first question would be "what is this contractor doing to address their loss problem?" :shock:
by Big Dog
Fri May 27, 2011 6:46 am
Forum: Opinions
Topic: Ethical Problem - Please help!
Replies: 9
Views: 6052

Re: Ethical Problem - Please help!

Is there a paper copy of the request to increase the reserves in your files? If so, leave it there. As to the notepad documentation, if you're asked, tell the truth. You documented it, but it appears that it was deleted. Beyond that, look elsewhere for employment. If your boss is willing to skirt le...
by Big Dog
Mon May 09, 2011 6:07 am
Forum: Opinions
Topic: Prime America
Replies: 21
Views: 52088

Re: Prime America

spokaneins wrote:I thought Primerica was a peramid scheme
What's a "peramid"?
by Big Dog
Mon Apr 18, 2011 6:20 am
Forum: Opinions
Topic: The Rightful Act and Duty of an Retail Insurance Manager
Replies: 2
Views: 1858

Re: The Rightful Act and Duty of an Retail Insurance Manager

Has this been part of their job description in the past? If their primary job duties are to handle/administer the current book of business, then "selling may not come naturally to them. One tactic is to threaten them with their jobs, but that usually doesn't produce the desired results. :shock:...
by Big Dog
Tue Apr 05, 2011 5:57 am
Forum: Opinions
Topic: Starting an Independent Agency has never been easier
Replies: 6
Views: 4474

Re: Starting an Independent Agency has never been easier

Perhaps providing a link to this IJ article might give your post some credulity.
by Big Dog
Fri Mar 25, 2011 1:32 pm
Forum: Opinions
Topic: adp peo
Replies: 5
Views: 4339

Re: adp peo

Thanks for your input is is very helpful. What has been the experience of employers who have gone into a PEO and then tried to go back to the traditional WC? If the client has an x-mod, then that means they're what's known as a "Rule IV" client (at least in California). That is, they have...
by Big Dog
Fri Mar 25, 2011 6:27 am
Forum: Opinions
Topic: adp peo
Replies: 5
Views: 4339

Re: adp peo

Disclaimer: This is my personal opinion only. I used to be a w/c underwriter for a number of PEO's, so my views may be somewhat biased (but most likely accurate). PEO's promise the world when it comes to reducing the costs of workers' comp insurance, along with increased service such as loss control...
by Big Dog
Fri Mar 18, 2011 6:42 am
Forum: Hard-to-Place Accounts
Topic: Need comp in Ca for structural steel contractor
Replies: 4
Views: 3372

Re: Need comp in Ca for structural steel contractor

SCIF is probably your only choice.
by Big Dog
Fri Mar 18, 2011 6:41 am
Forum: Opinions
Topic: Online Insurance Shoppers
Replies: 10
Views: 5084

Re: Online Insurance Shoppers

If you look at the tv ads for a firm like eSurance, they're promoting that you can either obtain coverage online, or talk to a real person. The reality is, when you have a claim, you want to be able to interact with a real human, not a keyboard. Additonally, one of the big downsides of purchasing in...
by Big Dog
Fri Mar 18, 2011 6:36 am
Forum: Opinions
Topic: What is your broker of record policy?
Replies: 10
Views: 10148

Re: What is your broker of record policy?

Wow...golly. Could you get any more self-serving?
by Big Dog
Tue Feb 22, 2011 6:24 am
Forum: Opinions
Topic: I have several pay day loans and I need to file chapter 13 b
Replies: 2
Views: 1503

Re: I have several pay day loans and I need to file chapter

Are you an insurance agent/broker? You might want to talk with an attorney conversant in bankruptcy filing.
by Big Dog
Mon Feb 07, 2011 2:40 pm
Forum: Opinions
Topic: Diminishing Role of the Agent for P&C Insurance
Replies: 27
Views: 12315

Re: Diminishing Role of the Agent for P&C Insurance

There are no laws that forbid people from making stupid decisions - be it with getting sucked into the wrong type of mortgage or by purchasing inadequate limits of insurance (add into that not understanding what their insurance does and does not cover). If you read between the lines of what I just w...
by Big Dog
Thu Jan 13, 2011 9:08 am
Forum: Opinions
Topic: Claims Made, Claims Made & Reported, and Occurrence
Replies: 5
Views: 4347

Re: Claims Made, Claims Made & Reported, and Occurrence

They're not similar. Here's an example. Assume a claims made Products Liability policy has a policy period of 1/1/2011 to 2012 for a particular product. That product was manufactured on 5/1/2010, and the claimant purchased it on 8/1/2010. The product is DIRECTLY responsible for an injury to the pers...
by Big Dog
Thu Jan 13, 2011 7:26 am
Forum: Opinions
Topic: Claims Made, Claims Made & Reported, and Occurrence
Replies: 5
Views: 4347

Re: Claims Made, Claims Made & Reported, and Occurrence

Nope...they're not the same. Bookmark IRMI.com.
Here's IRMI's description of Claims-Made - http://www.irmi.com/online/insurance-gl ... -made.aspx

...and Occurrence - http://www.irmi.com/online/insurance-gl ... olicy.aspx
by Big Dog
Thu Jan 06, 2011 6:46 am
Forum: Opinions
Topic: Open Office Next to Geico
Replies: 11
Views: 4904

Re: Open Office Next to Geico

That'd be like having a Lowe's and Home Depot side by side. Not smart.