Search found 63 matches
- Thu Jul 28, 2016 2:48 pm
- Forum: Hard-to-Place Accounts
- Topic: aggregators or groups that specialize
- Replies: 3
- Views: 10058
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).
- Tue Jul 26, 2016 1:43 pm
- Forum: Hard-to-Place Accounts
- Topic: aggregators or groups that specialize
- Replies: 3
- Views: 10058
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.
- Fri Jul 22, 2016 10:52 am
- Forum: Opinions
- Topic: Client wnders why his HO premium went up
- Replies: 9
- Views: 22281
Re: Client wnders why his HO premium went up
Exactly. The company still took in more than they paid out. Bloodsuckers.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?
- Fri Apr 15, 2016 3:27 pm
- Forum: Opinions
- Topic: Commercial building with sprinklers
- Replies: 2
- Views: 40746
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%.
- Fri Jan 22, 2016 4:55 pm
- Forum: Opinions
- Topic: Car insurance in SF for non-citizens
- Replies: 1
- Views: 24310
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...
- Mon Nov 02, 2015 2:29 pm
- Forum: Hard-to-Place Accounts
- Topic: Air B & B - California
- Replies: 5
- Views: 31505
Re: Air B & B - California
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.sgriswold wrote:Pacific Specialty writes short term rentals. They do a lot of nonstandard risks. I like them.
- Fri Oct 23, 2015 1:30 pm
- Forum: Hard-to-Place Accounts
- Topic: Air B & B - California
- Replies: 5
- Views: 31505
Re: Air B & B - California
Foremost writes short term rentals. How is the guest house insured on the current policy? As other structure?
- Mon Oct 05, 2015 1:36 pm
- Forum: Hard-to-Place Accounts
- Topic: Self Balancing Scooters - CA (GL needed)
- Replies: 4
- Views: 36861
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%.
- Wed Nov 12, 2014 5:52 pm
- Forum: Opinions
- Topic: Insurance Acounting query (minimum earned premium policy)
- Replies: 2
- Views: 6630
Re: Insurance Acounting query (minimum earned premium policy
That sounds like an accounting question...but I doubt the company will recognize the full amount as earned at inception - there's always a chance the carrier cancels the policy, which they'll have to give a refund to the insured.
- Wed Jun 11, 2014 5:18 pm
- Forum: Opinions
- Topic: Installation floater rating basis
- Replies: 4
- Views: 18787
Re: Installation floater rating basis
I dont think sales receipt is the rating basis for floater. The $2400 premium looks more like to me is for general liability.
- Thu Nov 07, 2013 11:41 am
- Forum: Opinions
- Topic: Hartford School of Insurance
- Replies: 2
- Views: 6242
Re: Hartford School of Insurance
I went to the Hartford school about 9 years ago when I was 6 months into my job. It's a good program when you're new to commercial insurance. It teaches you how to read and interpret policy coverages. I wouldnt say I bacame a "Commericial line specialist" instantly - as the designation it ...
- Wed Sep 18, 2013 5:20 pm
- Forum: Opinions
- Topic: California Work Comp Class Code detail
- Replies: 3
- Views: 17015
Re: California Work Comp Class Code detail
From one of the carriers:
9008: Janitorial Services - By Contractors
9009: Building Operation - Commercial Properties - All Other Employees
9015: Building Operation--N.O.C.--All Other Employees--Including Resident Or On-Site Managers
9008: Janitorial Services - By Contractors
9009: Building Operation - Commercial Properties - All Other Employees
9015: Building Operation--N.O.C.--All Other Employees--Including Resident Or On-Site Managers
- Fri Mar 29, 2013 10:45 am
- Forum: Opinions
- Topic: SIAA vs. Cluster?
- Replies: 40
- Views: 136702
Re: SIAA vs. Cluster?
I believe CSE is, but not Mercury.
- Fri Nov 30, 2012 2:33 pm
- Forum: Opinions
- Topic: Designation Suggestions
- Replies: 9
- Views: 31069
Re: Designation Suggestions
I just finished the ARM exams eariler this year, and took them as complete sets. Make 3 trips for one course is no fun. I definately felt ARM exams are more challeging than CPCU exams - it took me almost the same amount time to complete the exam even though CPCU's allowed 3 hours. I'd suggest you to...
- Tue Oct 23, 2012 2:20 pm
- Forum: Opinions
- Topic: Do I need to schedule fine arts?
- Replies: 15
- Views: 27108
Re: Do I need to schedule fine arts?
Even an HO5 will always exclude Earthquake and Flood. In addition, there usually is a sublimit if the items are off-premise. Have them scheduled ususally addresses those concerns.