Search found 63 matches

by wariline
Thu Jul 28, 2016 2:48 pm
Forum: Hard-to-Place Accounts
Topic: aggregators or groups that specialize
Replies: 3
Views: 7414

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: 7414

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: 14028

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: 38241

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: 22213

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: 25910

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: 25910

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: 32340

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%.
by wariline
Wed Nov 12, 2014 5:52 pm
Forum: Opinions
Topic: Insurance Acounting query (minimum earned premium policy)
Replies: 2
Views: 4443

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.
by wariline
Wed Jun 11, 2014 5:18 pm
Forum: Opinions
Topic: Installation floater rating basis
Replies: 4
Views: 12592

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.
by wariline
Thu Nov 07, 2013 11:41 am
Forum: Opinions
Topic: Hartford School of Insurance
Replies: 2
Views: 4796

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 ...
by wariline
Wed Sep 18, 2013 5:20 pm
Forum: Opinions
Topic: California Work Comp Class Code detail
Replies: 3
Views: 12689

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
by wariline
Fri Mar 29, 2013 10:45 am
Forum: Opinions
Topic: SIAA vs. Cluster?
Replies: 40
Views: 102709

Re: SIAA vs. Cluster?

I believe CSE is, but not Mercury.
by wariline
Fri Nov 30, 2012 2:33 pm
Forum: Opinions
Topic: Designation Suggestions
Replies: 9
Views: 25027

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...
by wariline
Tue Oct 23, 2012 2:20 pm
Forum: Opinions
Topic: Do I need to schedule fine arts?
Replies: 15
Views: 17754

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.