Search found 63 matches

by wariline
Thu Oct 18, 2012 10:12 am
Forum: Hard-to-Place Accounts
Topic: Motel without fenced pool
Replies: 2
Views: 4154

Re: Motel without fenced pool

The insured is probably better off just add a fence or fill the pool up. The premium is going to be pretty steep if you can find an underwriter crazy enough to take it.
by wariline
Mon Oct 01, 2012 6:03 pm
Forum: Hard-to-Place Accounts
Topic: Non-profit with incidental international exposure
Replies: 5
Views: 6624

Re: Non-profit with incidental international exposure

Have you tried Travelers, Chubb, or AIG? Those carriers should have an international coverage endorsement readily avaialble.
by wariline
Wed Aug 29, 2012 5:43 pm
Forum: Opinions
Topic: Progressive Weasling?
Replies: 17
Views: 11634

Re: Progressive Weasling?

I think the question is did your insured took reasonable care of the car when it was in their custody. If they did, then they're probably not legally liable. To perserve a good business relationship for the tow company, it's probably better for them to buy Primary Direct rather than legal liability....
by wariline
Mon Apr 09, 2012 5:17 pm
Forum: Hard-to-Place Accounts
Topic: New Venture - Non-Emergency transporation
Replies: 10
Views: 6978

Re: New Venture - Non-Emergency transporation

I think most preferred and standard carriers shy away from livery. Have you tried Northland Insurance? They're a specialty arm for Travelers.
by wariline
Wed Feb 01, 2012 11:19 am
Forum: Hard-to-Place Accounts
Topic: Personal Quake Insurance - CA
Replies: 11
Views: 6345

Re: Personal Quake Insurance - CA

Fidelity gives direct appointments to retail agents, not sure if you can access them through a GA or not. Their rates may not necessarily lower than Geovera or other carriers, but they have pretty good coverage. Their "preferred" program includes contents at 50% of Cov. A.
by wariline
Tue Jan 31, 2012 5:56 pm
Forum: Hard-to-Place Accounts
Topic: Personal Quake Insurance - CA
Replies: 11
Views: 6345

Re: Personal Quake Insurance - CA

Another stand alone carrier is Fideility National Ins. Co.
by wariline
Mon Dec 12, 2011 7:51 pm
Forum: Opinions
Topic: Where to order MVR's?
Replies: 4
Views: 3052

Re: Where to order MVR's?

Which State are you in? We use Choice Point, now called Lexis Nexis.
by wariline
Mon Nov 21, 2011 3:49 pm
Forum: Hard-to-Place Accounts
Topic: AZ Home "Flipper" Insurance Coverage Needed
Replies: 6
Views: 9561

Re: AZ Home "Flipper" Insurance Coverage Needed

Check with Lexington. I believe they have such a program.
by wariline
Tue Sep 20, 2011 1:38 pm
Forum: Opinions
Topic: Should I get Cal. Low Cost Auto Ins. in our office?
Replies: 8
Views: 4686

Re: Should I get Cal. Low Cost Auto Ins. in our office?

In addition to what D's said, the plan offers low limit, 10/20/3. I agree that it does not make business sense for many agents from multiple standpoints. I believe the assigned risk and the low cost program have the same certification. And if you're a CAARP certified producer, you're obligated to as...
by wariline
Tue Jul 26, 2011 5:40 pm
Forum: Hard-to-Place Accounts
Topic: CA-Cell Phone Towers
Replies: 1
Views: 2520

Re: CA-Cell Phone Towers

Maybe a "land leased to others" policy with BI/EE? Does the lease specify whehter the rent will continue be paid if the tower is damaged.
by wariline
Mon Jul 25, 2011 2:34 pm
Forum: Hard-to-Place Accounts
Topic: CA-Guaranteed Replacement Cost
Replies: 15
Views: 12163

Re: CA-Guaranteed Replacement Cost

Just want to point out that for ERC to apply, many carrier stipulate the insured must notify the carrier if the replacment cost or SQFT of the dwelling increases exceeding certain %. GRC was the policy language used when I started my career in 1989 but was phased out soon thereafter and the language...
by wariline
Tue May 31, 2011 10:05 am
Forum: Opinions
Topic: ..a complicate package prospect question!..
Replies: 5
Views: 3553

Re: ..a complicate package prospect question!..

I would suggest you just move on...Perosnally, I wouldn't move an account from Standard marekt to E&S except for extradinary circumstances...and saving a couple of $100 is really not one of them. By the way, what type of "catastrphic area" are we talking about, earthquake, brush or flo...
by wariline
Mon May 09, 2011 5:32 pm
Forum: Opinions
Topic: Business Income - Rental Income
Replies: 6
Views: 5163

Business Income - Rental Income

A client of mine raised an interesting question, and I'm still unsure after reading the ISO BI form again. He has a commercial bldg that leases to a single tenant. The leases states the tenant is reponsible for the property tax (Single net lease). Suppose a fire destroy the building, will the BI/EE ...
by wariline
Fri Apr 22, 2011 5:52 pm
Forum: Hard-to-Place Accounts
Topic: Restaurant with renovations and Triple Net lease
Replies: 5
Views: 3915

Re: Restaurant with renovations and Triple Net lease

If you have Golden Eagle or Capital Ins., I'd suggest you discuss it with their UW. Traveler's MasterPac's UW doesnt really offer much flexibility in terms of eligibility.