| Subject | Date Asked |
|
| temporary housing proeprty insurance | 11/3/2009 |
Q: I have a client that will be buying mobile homes for when a homeowner suffers a fire to their home. ...
A: Tom; I'm sorry but I'm not familiar enough with carriers appetites to tell you who would write a ...
|
| umbrella insurance | 11/3/2009 |
Q: A person has rental properties in GA, NC, IN, OR and CA. Does the person buy business or personal ...
A: Yes, it's still business/commercial insurance. There are numerous companies that do business in all ...
|
| umbrella insurance | 11/1/2009 |
Q: A person has rental properties in GA, NC, IN, OR and CA. Does the person buy business or personal ...
A: Ivan; Easy question! Unless this person is actually living on the property, it's business ...
|
| Liability Insurance for bare land | 10/28/2009 |
Q: My father passed away and left a bare commercial lot in a trust for his siblings. We have sold his ...
A: Mike; This is very easy to do. Find a reputable independent agent and tell them you need a General ...
|
| Statutory Laws in Georgia Protecting Insured's | 10/27/2009 |
Q: Insured A & B Inc. paid their annual premiums to their retail agent of record at the inception of a ...
A: Tyler; The insured can absolutely file a claim with the purchasing agent's E and O policy. When a ...
|
| Statutory Laws in Georgia Protecting Insured's | 10/26/2009 |
Q: Insured A & B Inc. paid their annual premiums to their retail agent of record at the inception of a ...
A: Tyler; You have described a situation that unfortunately, occurs all too often. I am not in the ...
|
| p/c license | 10/23/2009 |
Q: can this type of license also be used for pet insurance policies as well as property/casualty, life ...
A: Larry; I truly don't know the answer to your question. I am a HUGE animal lover and hate that pets ...
|
| Condo laws about windows and doors | 10/21/2009 |
Q: I would like to know what the law states as far as windows and doors in condos? Is it considered to ...
A: Erik; To my knowledge, there is no "law" per se, but that may depend on what state you're in. Most ...
|
| truck insurance for fuel oil dealer | 10/19/2009 |
Q: where can i get truck insurance for my heating oil business thank you reggie s
A: Reggie; Carriers vary by state. Some write insurance in this state, but not that state, etc... But, ...
|
| Workers compensation | 10/8/2009 |
Q: Kristen, I'm buying a Mail Boxes etc store and need to know what clasification to use for Workers ...
A: Mike; You have to be patient with me, this question sounds a lot like a homework question so, I'm ...
|
| Travel Trailer Stolen from Repair Lot | 9/4/2009 |
Q: Business owner accepted my travel trailer for repair of its electrical system on Monday morning. On ...
A: Mark; First off, let me apologize for the delayed response, I was on vacation for Labor Day and ...
|
| Tow Truck Company case | 8/27/2009 |
Q: Okay, well last month a tow truck attempted to tow my friend's SUV and instead it snapped off the ...
A: C; First, you're absolutely right in that the tow truck driver is responsible for the damage to ...
|
| What is and isn't covered by my GL insurance? | 8/19/2009 |
Q: I own a small housecleaning business. We carry GL insurance, worker's compensation and a bond that ...
A: Rebecca; I really can't tell you what is specifically covered in your policy without reading the ...
|
| toilet clogged and apparently kept running | 8/7/2009 |
Q: I am home maybe twice a month. I came home after a month to find that my ceilings had fallen in and ...
A: Chris, Pardon my French but that sucks!! I feel you're pain. I had a water heater burst in my ...
|
| sub contracting | 7/30/2009 |
Q: Can I sub contract a HVAC company to do air conditioning business for me without having a ...
A: Daniel; If you're essentially going to be acting like a General Contractor and subbing out work to ...
|
| CPCU | 7/10/2009 |
Q: I am currently licensed in Life and Health, have not really been doing it very long (under 6 ...
A: Todd; I too started my insurance carrier in life and health and just couldn't stand it. I got a ...
|
| COI | 7/9/2009 |
Q: How long do you recommend a client keep a COI?
A: Holly; All COI's have an expiration date so they're not valid going forward, after that date. ...
|
| start a reinsurance broker | 7/2/2009 |
Q: I read your answers to some of the questions regarding starting an insurance broker/agency and ...
A: Asia; First off let me apologize profusely for the delayed response! My computer crashed last week, ...
|
| Hold harmless clauses | 6/18/2009 |
Q: I'm starting a new plumbing and drains business and need the shortest hold harmless clause for the ...
A: Allison; Congrats on the new business and I wish you tons of success! I'm not the best person to ...
|
| home health care worker | 6/15/2009 |
Q: I'm looking into care options for my aging mother. She has found someone through a friend that ...
A: Spencer, Actually there's not much of an issue. If your mother has given him/her permission to ...
|
| home health care worker | 6/14/2009 |
Q: I'm looking into care options for my aging mother. She has found someone through a friend that ...
A: Spencer; Personally, and I went through this in the last few years with my own mother, I would seek ...
|
| Property Loss Control | 6/13/2009 |
Q: I just recently started my own business and wanted to understand the best way to approach the ...
A: Jeff; I'm not sure I'm the best person to answer your question but I'll try. If you're going to be ...
|
| No workmans comp--homeowner liability | 6/11/2009 |
Q: I read your earlier response to James and that helped but I have a few more questions--we have a ...
A: Mary; He sounds like a nice guy, probably does good work. However, if I were you, I would not hire ...
|
| Sub contractor's insurance | 6/5/2009 |
Q: A family member has been offered a job installing HVAC equipment for a large construction company. ...
A: Linda; The fact that he's registered as an LLC really means nothing for this particular job. The ...
|
| Sub contractor's insurance | 6/4/2009 |
Q: A family member has been offered a job installing HVAC equipment for a large construction company. ...
A: Linda; First off, there is no such thing as "subcontractor insurance". If your family member has ...
|
| Auto Accident | 5/31/2009 |
Q: I was involved in a auto accident today and it was not my fault. The guy was exiting a shopping ...
A: Natalie; First off, it appears as though you weren't hurt in the accident and that is good news!! ...
|
| Garage Liability | 5/20/2009 |
Q: I'm trying to insure someone that is contracted as a mobile mechanic to do repairs for vehicles. He ...
A: Juan; Garage Liability is the correct coverage but if I were you I'd double and triple check with ...
|
| Mom cosigning on loan | 5/14/2009 |
Q: I am looking into buying a home with my mother as a non occupying co-signer. I am wondering besides ...
A: Keith; It really doesn't matter if she's occupying the home or not, if she's a co-signer, she's a ...
|
| insurance sales | 5/6/2009 |
Q: You recently answered a question for me about a California notice of non-admitted companies. You ...
A: Don; I am very flattered and thank you for the offer. Unfortunately, I am not licensed to do ...
|
| rental truck - liabilty insurance | 4/29/2009 |
Q: I have auto and umbrella insurance with a US company. I will rent and drive from Arizona to ...
A: Charly; I can't give you a definitive answer because it depends on the language and exclusions in ...
|
| question about commercial p&c and a renters policy | 4/24/2009 |
Q: okay first , what types of companys can I quote for a commercial policy? I want to start small but I ...
A: Mary, Congratulations on getting your license! First, you mentioned that you're now working for a ...
|
| Care, custody and control | 4/23/2009 |
Q: I work for a property preservation company that takes care of foreclosed homes. We require our ...
A: Sarah; I completely see the issue but maybe I'm missing something. If you're taking care of a ...
|
| Additional Insured | 4/22/2009 |
Q: Can you tell me if there is a good, fair, or poor possibility that an insured can sue the additional ...
A: Michelle; Okay, here's how I interpret your situation. You are a tenant and your business has some ...
|
| loss control | 4/1/2009 |
Q: I am working at a Wholesale agency and I need a professional advise. As the economy is getting ...
A: Danny; First off, the news is good on the premium side, it HAS to go higher. Insurance companies ...
|
| POE | 3/30/2009 |
Q: when Wilma hot florida, I had POE as my home insurance provider. I thought I had no damage, but ...
A: Ravi; I wish I could give you some assistance but I'm just not the best person to answer your ...
|
| Vehicle damage at work, Florida | 3/26/2009 |
Q: My wife works at a private nursing home where we have had two vehicles damaged and one with property ...
A: Rick; Sorry for the delayed response, no excuses, just had a busy weekend. What a frustrating ...
|
| Auto Repair Shop Coverage | 3/24/2009 |
Q: California recently experienced the freeway complex fire in an area where there have been 25 fires ...
A: Richard; I Completely see your point and it's a valid one that I suggest you raise with the ...
|
| Temporary Housing | 3/16/2009 |
Q: I am interested in finding out about how to become a qualified lessor on insurances list to provide ...
A: New Vision; I'm not aware of any "approved housing vendors" that insurance companies use, or if ...
|
| XCU exlusion | 3/12/2009 |
Q: We are an architectural firm in PA. We have been awarded a project with State of NJ and require an ...
A: Regina Jean-Claude; The pre-simplified ISO GL form (prior to 1986) had a built in exclusion for XCU ...
|
| Branches from neighbors' tree | 3/11/2009 |
Q: My neighbor has a large avocado tree,and some of the branches hang on my side of the fence. I am ...
A: Makeda; This isn't an insurance question but my understanding is, and this differs by state so ...
|
| Auto Repo | 3/10/2009 |
Q: I was reposessed and had no idea we were in danger. A payment "was" missed in over 12 months ago ...
A: Darrin; First off, I am so sorry this happened. I can't imagine going through something like this, ...
|
| Vandalism and Theft | 2/9/2009 |
Q: Greetings, I would first like to thank you for you consideration. I dropped off my vehicle at a ...
A: Daarion; Don't stop here, if there are no outward, visual signs of a break in to your vehicle then ...
|
| Garage Liab vs General Liab. | 1/28/2009 |
Q: In the state of FL laws have changed for the DMV. They are requiring my customer who owns a salvage ...
A: Nicole, To my knowledge, a Garage Keepers Legal Liability Policy (GKLL) should include basic, ...
|
| Application of Deductible to Burst Pipes Claim | 1/27/2009 |
Q: I have an apartment building I own where the pipes burst on two separate days during one cold spell. ...
A: Dan; Unfortunately, I can't agree with you. Although both losses had the same cause, they are 2 ...
|
| Car damage on mechanic's lot. | 1/25/2009 |
Q: I had work done on my car and gave, over the telephone, the mechanic shop owner my credit card ...
A: John; First off, I'm so sorry that your car was damaged! Certainly not what you want to find when ...
|
| certificate of insurance | 1/5/2009 |
Q: I recently started a technology services LLC. I have clients that require data/phone cabling (from a ...
A: David; First off, whatever license you need would be determined by the state of NJ so you'll have ...
|
| P/C insurance | 12/30/2008 |
Q: I know this sounds so completely silly, but I was wondering if you could clarify for me the ...
A: Jessica; The question is not a stupid one and the answer is a relatively easy one. First, in ...
|
| E&S policy renewals | 12/10/2008 |
Q: If my commercial E&S policy expires and I receive no renewal notice from my agent, who is ultimately ...
A: Joe; E&S rules and regulations vary by state. But with that said, if your policy simply expired on ...
|
| Cemetery Insurance | 12/4/2008 |
Q: I will be assuming ownership of an approximately 1 acre non-active cemetery containing about 100 ...
A: Teri; Absolutely!!! First, I'd make sure the ownership of the cemetery is through a legal entity of ...
|
| Accident with Beer | 11/26/2008 |
Q: My daughter and passengers were at a light to turn left. The light had a green light and a green ...
A: Kim; I'd be mad as hell too! This isn't really an insurance question but here's what I would do, ...
|
| Questions About Liability Coverage | 11/25/2008 |
Q: My step-son is planning to purchase a tri-plex for rental purposes and needs our help to co-sign the ...
A: Kevin, I'm not entirely familiar with Canadian insurance laws and statutes but from my experience, ...
|
| Workers compensation and liability insurance for a self-employed person with no employees | 11/21/2008 |
Q: I have been a self-employed technical writer for over 20 years. One of my regular clients has just ...
A: Aerin; You are very well versed!! In a nut shell, the company you contract with needs to speak to ...
|
| Umbrella Insurance | 11/9/2008 |
Q: In general, would an umbrella policy cover a seller of real property if after the sale, the buyer ...
A: David; Sorry for the delayed response, I wanted to do a little research before responding. In the ...
|
| certificate of insurance and worker's compensation coverage | 11/5/2008 |
Q: I work for a publishing company in Illinois. We'll be conducting a photo shoot for a book in a city ...
A: Holly; You are right on the money! As for the models being volunteers, makes no difference, ...
|
| certificate of insurance and worker's compensation coverage | 11/4/2008 |
Q: I work for a publishing company in Illinois. We'll be conducting a photo shoot for a book in a city ...
A: Holly; First, CA laws ARE tough, some of the toughest in the country. Secondly, just to clarify, a ...
|
| accident on work property | 10/27/2008 |
Q: My mother tripped and fell in the parking lot of her job after she clocked out from work. Would ...
A: Marie; I hope your mom wasn't seriously injured but obviously she suffered some sort of injury or ...
|
| what type of ins. does a restoraion need... | 10/22/2008 |
Q: Kristen Mulcahy, I've been looking for someone who can answer this or help me to find a definite ...
A: Kurt and Stacy; First off, you don't owe me anything, glad I can help. Secondly, my first reaction ...
|
| what type of ins. does a restoraion need... | 10/20/2008 |
Q: Kristen Mulcahy, I've been looking for someone who can answer this or help me to find a definite ...
A: Kurt and Stacy, Your lawyer could contact the insurance company however, you won't have much luck. ...
|
| florida condo assoc hold harmless | 10/19/2008 |
Q: Our condo assoc bldg is 12 unit 30K p/y year budget. Workers comp is $1000p/y . Our management ...
A: Don; Well, the long of the short of it is, yes, you can have these owners sign some sort of a ...
|
| what type of ins. does a restoraion need... | 10/19/2008 |
Q: Kristen Mulcahy, I've been looking for someone who can answer this or help me to find a definite ...
A: Kurt and Stacy; The laws that pertain to insurance requirements for a business are different for ...
|
| what type of ins. does a restoraion need... | 10/17/2008 |
Q: Kristen Mulcahy, I've been looking for someone who can answer this or help me to find a definite ...
A: Stacy; First off, yes, a licensed restoration company needs to have their own insurance whether ...
|
| property management insurance | 10/7/2008 |
Q: What types of insurance must a property management company secure in the state of New York? Is it ...
A: Paul; Although I'm not in the state of NY and there may be some differences in the information I'm ...
|
| Insurance Broker | 10/3/2008 |
Q: Kristen, I somehow googled how to start an Insurance Broker office or something to that affect and ...
A: Alex; First off, I am flattered and thank you very much for the comments! I don't blame you one bit ...
|
| Landlord v. Tenant Commercial Insurance | 9/25/2008 |
Q: I own a building in which I have a Commercial General Liability policy in force. I recently leased ...
A: Jared; Horrible situation! Your insurance company may be on the hook for it but there is a LOT that ...
|
| property mangers/additional insured | 9/23/2008 |
Q: Not sure if this falls within you scope, hopefully you can help. Here in California, my property ...
A: Laura; I'm glad I was able to help to some degree. However, I truly believe you need to find a new ...
|
| property mangers/additional insured | 9/23/2008 |
Q: Not sure if this falls within you scope, hopefully you can help. Here in California, my property ...
A: Laura; This definitely falls within my scope. It doesn't matter whether it's California or ...
|
| Form HO-5 | 9/21/2008 |
Q: I'm told that this type of insurance automatically provides 100% replacement for building/hazard ...
A: Dan; Read the bylaws of the Association. They should very clearly state where the unit owners ...
|
| Business auto insurance | 9/20/2008 |
Q: My father-in -law owns a courier business and has many company vehicles in his "fleet". My husband ...
A: Natalie; Your concern is valid! First off, most of the time, when a business has a fleet but does ...
|
| Form HO-5 | 9/19/2008 |
Q: I'm told that this type of insurance automatically provides 100% replacement for building/hazard ...
A: Dan; An HO-5 is a Broad Form Home Owner's Policy, it is NOT designed for a Condo owner, detached or ...
|
| commercial auto and grage keepers liability | 9/18/2008 |
Q: Okay, Im not a company but i need some advice. i bought a new car from a dealership. i had to take ...
A: Corey; My immediate reaction is, that's a horrible situation to be in! First, laws differ by states ...
|
| Stolen Stereo Equipment Covered? | 9/3/2008 |
Q: My 16 year old son drove his truck to visit my daughter for a few days who is in college. His ...
A: Scott; So sorry for the situation and what your son had to go through! Unfortunately, my answer ...
|
| Hold harmless clause | 8/21/2008 |
Q: I appreciate your response to my previous question. First, the picture as I understand it. I am a ...
A: James; First off, you are right on the money, you completely understand the concept. Now to answer ...
|
| Hold harmless clause | 8/20/2008 |
Q: In an answer posted 8/24/06, you recommended a "hold harmless" clause for contractors who do not ...
A: James; I'm not entirely clear on what situation we're dealing with here, whether you are a home ...
|
| Negligence | 8/15/2008 |
Q: I was injuried at work do to not having proper accese in to containment area where we keep oils fuel ...
A: Bill; Sorry you were injured! The answer to your question is that your employer is responsible for ...
|
| Liability Claim - Negligence | 7/26/2008 |
Q: A contractor for my electric company mis-located an underground electric line. The mis-located line ...
A: John; Boy, talk about a comedy of errors! So sorry you've incurred damages as a result of shoddy ...
|
| Liability Insurance | 7/22/2008 |
Q: I am having some difficulty finding insurance for a emergency response training facility. Who are ...
A: Mike; I'm sorry but I don't think I'm going to be of much help to you. I don't have any clients ...
|
| Property Damage | 7/20/2008 |
Q: I carry General Libility (Colorado) on my tree service company. In May my crew entered the wrong ...
A: Jerone; So sorry you're in this situation but, this isn't as straight forward as it appears, ...
|
| Auto Property Claim | 7/15/2008 |
Q: The Auto Is A Total Loss What Do I Have To settle For As Far As Value Pay-off Or Can I Get More Has ...
A: Janice; See? I knew they'd offer you below the payoff amount. Typical tactic and exactly why you ...
|
| Auto Property Claim | 7/15/2008 |
Q: The Auto Is A Total Loss What Do I Have To settle For As Far As Value Pay-off Or Can I Get More Has ...
A: Janice, First and foremost, don't cash any check the insurance company sends you unless you are ...
|
| Insurance Certificates - Future Claims | 7/12/2008 |
Q: I am going to ask a question by giving an example. The information in this example is hypothetical. ...
A: Larry; You'll be happy to know that even in this worst case scenario, you're protected. The one ...
|
| full coverage? what does that mean? | 7/10/2008 |
Q: A while back I had a total loss where my veh was stolen and recovered. The insurance comapany "XYZ" ...
A: Nancy; First off, so sorry for the delay!! I received a couple of questions on the same day and ...
|
| Insurance Certificates | 7/10/2008 |
Q: I read the earlier posted question and answer about insurance certificates. This is a follow up ...
A: Larry; First, thanks for the compliment on my writing! I always try to make the answers true to ...
|
| Insurance Certificates | 7/9/2008 |
Q: I read the earlier posted question and answer about insurance certificates. This is a follow up ...
A: Larry; Great questions! Okay, first off, if you hire a General Contractor to build your house you ...
|
| Garage Keepers Liability | 6/29/2008 |
Q: I recently received a General Liability quote from Hanover Insurance Company. I was quoting an ...
A: Mark; I don't believe it's standard on Hanover's form but I truthfully can't answer with all ...
|
| vechile liablity | 6/24/2008 |
Q: I need to submit vehicle liability to a home builder and and do not use my own vehicles or drive the ...
A: Bob; Sorry about all of the information in the last email, I'll try to clarify a bit here. The ...
|
| vechile liablity | 6/24/2008 |
Q: I need to submit vehicle liability to a home builder and and do not use my own vehicles or drive the ...
A: Okay, that's what I was figuring. So here's what you need. First and foremost, you need to obtain a ...
|
| vechile liablity | 6/24/2008 |
Q: I need to submit vehicle liability to a home builder and and do not use my own vehicles or drive ...
A: Bob; Can you give me a little more information so I can give you a proper answer? What is YOUR ...
|
| License Type 7544 | 6/23/2008 |
Q: If an adjuster holds a 7544 license are they an all lines adjuster? What is the difference between ...
A: Marie; I am not an adjuster nor do I hold any type of adjusters license. So in short, I have no ...
|
| Certificates of insurance | 6/1/2008 |
Q: Kristen, I've been reading on some of your insurance questions/answers... I am a Class A ...
A: Preston, In short, the answer to your question is, YES, you should have a Certificate of Insurance ...
|
| commercial renter paid whole premiums | 5/26/2008 |
Q: Kristen. I rent half of a building a convient store, the other side is an auto garage. here my ...
A: Gary, I completely understand how you're feeling! This doesn't make any sense! The only answer I ...
|
| Someone rear ended me and I already had open claim | 5/24/2008 |
Q: A few months ago an old lady did a hit and run on my car in a parking lot. I have an open claim ...
A: Jen; So sorry you've had to deal with two auto incidents in such a short period of time!! Most ...
|
| rear ended | 5/16/2008 |
Q: about a week ago i was rear ended. the guy was going a good 30 to 45 mph which was not speeding in ...
A: Elvira, I am so sorry to hear about your accident! It's something people never like to go through ...
|
| Property Management Company Insurance | 5/13/2008 |
Q: I am starting up a small property management firm in Virginia. We will not work with very many ...
A: Andy; Congrats on starting your own company! I wish you much success. Now onto your insurance ...
|
| Best career move | 4/19/2008 |
Q: Say, I just passed the california property & casualty exam and I'm searching and researching various ...
A: Mark; Congratulations on passing your licensing exam! I completely understand what you're looking ...
|
| Past Insurance policy | 4/14/2008 |
Q: I have been named in a pollution lawsuit dating back to 1985. I knew who my Insurance Company was at ...
A: Okay, first, I checked the web, as I'm sure you did, and there's no statute of limitations for ...
|
| Past Insurance policy | 4/14/2008 |
Q: I have been named in a pollution lawsuit dating back to 1985. I knew who my Insurance Company was at ...
A: Charles; My first reaction was, That sucks! Sorry you're being named a party to a suit so many ...
|
| P&C Wholesaler Ideas | 4/11/2008 |
Q: Kristen, Thanks for the fast response. In regards to your questions: I am a captive agent with a ...
A: Greg; Thanks for the additional information. Now this is my personal opinion and you don't know me ...
|
| Wholesale P&C Brokers | 4/9/2008 |
Q: Kristen, I have just recently gotten my P&C license in CT. I have many life and health clients, and ...
A: Greg; I have potentially several suggestions for you but first, give me a little more info. about ...
|
| house fire | 4/7/2008 |
Q: My girlfriend and I had a house fire on 2/20/2008. We bought the house in DEC and had planned on ...
A: Chad; I am so sorry for the loss. Unfortunately, I don't believe there is a definitive time line in ...
|
| BAP | 4/1/2008 |
Q: I work in personal lines and my friend has asked me to review a commercial auto policy. What is ...
A: Julie; The Fellow Employee Exclusion means that liability for bodily injury, arising out of an auto ...
|
| underwriting | 3/20/2008 |
Q: i would like information on how i can become an broker,i have 2 years of underwriting under my belt ...
A: Kevin; First, my apologies for the delayed response, I was on vacation for Easter and forgot to ...
|
| business insurance | 3/17/2008 |
Q: My wife is a hairdresser and needs liability insurance. Can you refer us to any reputible ...
A: James; Glad I asked and you are right on the money! She not only needs Professional Liability but ...
|
| business insurance | 3/17/2008 |
Q: My wife is a hairdresser and needs liability insurance. Can you refer us to any reputible ...
A: James, All good questions and concerns. I went to the website as well and it appears it's a trade ...
|
| business insurance | 3/16/2008 |
Q: My wife is a hairdresser and needs liability insurance. Can you refer us to any reputible ...
A: James; The insurance companies that are available can vary from state to state, region to region. ...
|
| Trailer Theft | 3/11/2008 |
Q: We are a travel trailer dealer in a Canadian Province. We had a tent trailer delivered to us late ...
A: Chris, My first reaction is to agree with your insurance carrier. You assumed no liability for the ...
|
| P and C licensing in all 50 states | 3/4/2008 |
Q: I am a licensed P and C agent in Texas and understand that I am able to get licensed in other ...
A: Kenny; Very easy answer to your question! Simply go to the websites for the Department of Insurance ...
|
| property & casualty | 3/3/2008 |
Q: I am new to USA. i want to know about property & casualty. can any one explain me in detail
A: Sudhir; I know you asked for a detailed response but that would simply take too long. I'm going to ...
|
| venturing into insurance | 2/12/2008 |
Q: I just wanted to know what the barriers an individual would face venturing into the Insurance ...
A: Tammi; Glad to hear you have an interest in insurance! This industry is a lot of fun, challenging ...
|
| Theft Liability | 2/7/2008 |
Q: As a business owner, are we responsible for a boat that was being serviced by our shop if it is ...
A: Kim; Let me respond first by asking you a couple of questions; If you took your car into the garage ...
|
| Commercial property and tenants | 2/6/2008 |
Q: I hope you can answer my question as I am loosing sleep over this and really need to know: I own a ...
A: Mrs. Delaney; I am very glad I was able to give you some piece of mind. I can also understand your ...
|
| Commercial property and tenants | 2/5/2008 |
Q: I hope you can answer my question as I am loosing sleep over this and really need to know: I own a ...
A: Mrs; Delaney; I can see why your losing sleep over this! First and foremost, you should have ...
|
| Getting started | 1/29/2008 |
Q: I recently got my 6-20 accredited claims adjuster liscense. I really want to get into the commercial ...
A: Melissa, Unfortunately, you're right, most companies require a college degree, but not all do so ...
|
| Getting started | 1/29/2008 |
Q: I recently got my 6-20 accredited claims adjuster liscense. I really want to get into the commercial ...
A: Melissa, I wouldn't put any more effort into another license just yet. Get out there, apply with ...
|
| Getting started | 1/29/2008 |
Q: I recently got my 6-20 accredited claims adjuster liscense. I really want to get into the commercial ...
A: Melissa; Congratulations on the license! You should be very proud! Now, as for what direction you ...
|
| Fire house, insurance won't pay | 1/23/2008 |
Q: We lost our home due to a fire in May 2006. We had to demolish it completely. Our Insurance ...
A: Erika; I am so sorry for your loss and the situation you've been put in. You didn't happen to say ...
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| Neighbor's negligence | 1/22/2008 |
Q: Due to neighbor's negligence, his water flowed onto my property & directly into the cellar. Since ...
A: Arlee; I'm sorry to say but I think you're taking on an elephant of an issue here. First and ...
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| Neighbor's negligence | 1/21/2008 |
Q: Due to neighbor's negligence, his water flowed onto my property & directly into the cellar. Since ...
A: Arlee; First off, sorry you suffered some water damage of any kind. I've been there and done that, ...
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| business or commercial policy | 1/19/2008 |
Q: If I use my vehicle for delivery, such as newspapers and pizza, do I need to purchase a commercial ...
A: Lisa; It depends on what insurance company your personal policy is with. Some companies allow some ...
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| Tow Truck Company for dropping a car off of a flatbed tow truck? | 1/17/2008 |
Q: A towing company dropped my car off of a flatbed tow truck. The original tow was for mechanical ...
A: Harry; The incident itself is negligence. The tow truck company has the responsibility of securing ...
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| own agency | 1/7/2008 |
Q: I have worked for an insurance company for 15 years. I have obtained my P & C license and now ...
A: Karen; I noticed you posed this question to a few and not just me. I'm glad because I have never ...
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| Business Fire Claim | 12/30/2007 |
Q: My business caught fire on October 31, 2007. As a result, all of my inventory and equipment inside ...
A: Katie; I hope others were able to answer your question before this. I was out of town for the ...
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| acv | 11/21/2007 |
Q: My client owns a business that has a customized computer system that operates it business at remote ...
A: Dennis; So sorry for the delayed response!! I went away for the holiday weekend and completely ...
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| commercial property and liability quote | 11/11/2007 |
Q: I am the personal representative for my late father's estate. His estate includes ...
A: Jennifer; Boy, talk about getting a crash course in insurance huh?? Okay, you and the agent you're ...
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| isurance school.... | 9/22/2007 |
Q: well my name is Ana chavez and I wanted to ask you a few questions about home insurance if you could ...
A: Ana; Nice to see someone young interested in insurance! Believe it or not, this industry is ...
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| MARKET | 9/22/2007 |
Q: I AM A SPECIALIST IN THE FOR HIRE COMMERCIAL (BLACK CARS AND TAXI AND LIMO) IN NEW YORK WITH A SOLID ...
A: Raad; TOUGH area to focus on but I'm sure it's profitable too! Truly, I don't know anyone that ...
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| certificate of insurance | 9/21/2007 |
Q: I do commercial voice-overs and write commercial copy from a studio in my home located in Florida. ...
A: Charlie, I can see your frustration, seems a little ridiculous that they want you to have Workers ...
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| commercial insurance brokerage | 9/19/2007 |
Q: Kristen, I currently am a VP of risk management for a $40 million dollar a year transportation ...
A: Gary; Glad you found the information helpful! The carrier I used to work for is one that I have ...
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| commercial insurance brokerage | 9/19/2007 |
Q: Kristen, I currently am a VP of risk management for a $40 million dollar a year transportation ...
A: Gary; It's a shame that after 10 years you're being put in this position but I understand your ...
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| Business Auto Fellow employee exclu | 9/18/2007 |
Q: What is the remedy to provide coverage for the void that this exclusion leaves. I used to know the ...
A: John, If the named insured is an individual who has all autos on a BAP and has no PAP, then the ...
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| PC Sales? | 8/27/2007 |
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: Beat, As I was reading what they offered you I was thinking, "well, that could work..." but then I ...
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| victim responsability | 8/24/2007 |
Q: I own a tractor trailer.someone rear ended it while it was parked. the adjuster knows nothing about ...
A: Unfortunately, they're waiting for the shop estimate to determine if it's a total or not. They may ...
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| victim responsability | 8/24/2007 |
Q: I own a tractor trailer.someone rear ended it while it was parked. the adjuster knows nothing about ...
A: Tim, First, sorry to hear about the "accident" and glad you weren't moving or in the cab when it ...
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| Negligence by Tow Truck Driver | 8/6/2007 |
Q: My 2003 VW Beetle was being towed on a flat-bed tow truck, to the dealer to be serviced for ...
A: Teresa; Boy, what a situation! I am so sorry this happened to you. I, too, love the convertible ...
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| (Optional) Liability damage waivers | 8/2/2007 |
Q: my name is Adrienne and I have a burning desire to find this question out. Ok, I rent a laptop ...
A: Adrienne, I am so sorry that you were robbed!!! That sucks, quite frankly. Now as for your LDW, my ...
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| How to obtain broker designation | 7/16/2007 |
Q: Kristen I have spent a number of years working within the insurance industry. I started off working ...
A: Tiffany; You definitely have a great deal of experience and being a broker could be a good move for ...
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| Insurance agent | 7/15/2007 |
Q: I am considering becoming an insurance agent and gearing my focus more towards the auto side of ...
A: Zong, Welcome to the insurance industry! Having a specific focus to begin with is a good idea. As ...
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| theft of property while on consignment at a shop | 6/15/2007 |
Q: My motorcycle had been on consignment at a shop in WI for 3 months. It was recently stolen and ...
A: Amber, I am so sorry you had to go through this!!! First and foremost, if you signed an agreement ...
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| Brooks Franchise | 6/13/2007 |
Q: I currently work as a sales agent for 21st Century Insurance Company, and for a while now I was ...
A: Natan; Glad you have a game plan, now let's figure out what team you should be on! Please keep in ...
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| Auto accident in company-owned vehicle | 6/7/2007 |
Q: My husband works for a roofing company in TN and one of his benefits is the use of a company truck ...
A: Rhonda; This is ABSOLUTELY a workers compensation claim where his injuries and lost wages are ...
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| General liability for artwork | 6/6/2007 |
Q: We are winners of a large scale public sculpture commission. We design the sculpture but it will be ...
A: Diane; I want to ask you a few more questions if you don't mind, so I can steer you in the right ...
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| Commercial auto insurance | 6/5/2007 |
Q: how are you? I have question regarding commercial auto insurance. My husband recently got into Oil ...
A: Good morning Julia! Congratulations on your husband's new venture. Because of the dangers involved ...
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| Commercial auto/liabilty pets & people | 6/4/2007 |
Q: I really hope you can help me sort out some questions I have about my insurance policies. I own a ...
A: Okay, since you are operating as an LLC and the vehicles are titled to the LLC, there is NO reason ...
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| Commercial auto/liabilty pets & people | 6/4/2007 |
Q: I really hope you can help me sort out some questions I have about my insurance policies. I own a ...
A: Catherine, I think I can definitely help you and being a HUGE animal lover and the proud parent of ...
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| XCU Coverage | 5/22/2007 |
Q: We have contractors who are now being required to provide XCU coverage for demolition jobs. These ...
A: Deborah; XCU is coverage for Explosion, Collapse and Underground. A long time ago, these causes of ...
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| PC Sales? | 5/21/2007 |
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: Unfortunately, no insurance product sells itself. There's one thing about this industry that's great ...
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| PC Sales? | 5/21/2007 |
Q: "I currently am a small commercial/farm underwriter for a statewide insurance company. I have been ...
A: Beat; I can absolutely relate to your question because I started my insurance career on the life ...
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| Risk Management question | 3/7/2007 |
Q: Yes, you're interpreting it correctly. At first I thought this ruled out new insurance products per ...
A: Okay, here's several risk management perspectives and I'll give you some links to go to as well. ...
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| Risk Management question | 3/7/2007 |
Q: This is probably an unusual question for you. I'm working on a master's degree in Information ...
A: Chuck; You are correct, this is a bit unusual considering the questions I normally receive but I'll ...
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| work comp | 1/16/2007 |
Q: I have one GA I've been submitting work comp through and I am wondering if my quotes on higher risk ...
A: William; Rates for each workers comp class code are determined by the claims experience for each ...
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| liability insurance costs | 12/10/2006 |
Q: I am a senior at Purdue University. I am working on my senior project for my BS in Industrial ...
A: Tammy; Your best bet would be to call a local agency and explain to them what you're doing and what ...
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| Home Based Business and Homeowners Ins. | 12/4/2006 |
Q: Kristen, Thank You..I do understand what you are saying. I don't think I was being clear with my ...
A: Brandon; One thing I can tell you for certain, yes, she should inform her insurance company that ...
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| Home Based Business and Homeowners Ins. | 12/4/2006 |
Q: Kristen, Thank You so much. That is a very informative answer. Yes, my Mother does live in the ...
A: Glad this is helpful Brandon but we're still no on the same page exactly. Okay, a homeowners policy ...
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| Home Based Business and Homeowners Ins. | 12/1/2006 |
Q: Greetings, Thank You for your help. I am considering running an electronics manufacturing business ...
A: Brandon, Congrats on being an entrepreneur! I wish you all the success in the world. As for your ...
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| wholesale brokers | 11/17/2006 |
Q: all lines but mostly commerical and P & C thank you!Hi Kristen, this is an urgent question. I picked ...
A: Kate; Of course, you know it all depends on what exactly you're looking to insure but here are some ...
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| Car Total | 11/9/2006 |
Q: My car was totaled in an accident 11/2/06. The accident was not my fault.The other driver's ...
A: Janice; Sorry to hear about your accident and I hope you weren't injured! First, if they've made ...
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| Food industry insurance | 10/27/2006 |
Q: I am doing a college project on starting a business. I picked to start a Dippin' Dots store in ...
A: Lindsey, I don't normally answer homework questions but obscure coverages can be hard to find info. ...
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| Rear ended | 10/25/2006 |
Q: Kristen, (This is a long series of questions, I apologize.) I was rear ended yesterday while stopped ...
A: Chad, Sorry you were in an accident and sorry you're a little stiff from it! If you've read some ...
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| Discounts for training | 10/19/2006 |
Q: Over the years I have been training emergency response teams for various plants and companies. I ...
A: Mike; It's not a rumor, however, the discount isn't like what you would see on other types of ...
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| commercial general liability insurance | 10/6/2006 |
Q: I own and manage an investment portfolio consisting of two houses, one triplex and a complex ...
A: Calvin, you definitely need insurance! Which insurance companies are available to you depends on ...
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| business ins | 10/3/2006 |
Q: I have started a small business pop advertising for car dealers. We install wraps on cars. myself ...
A: Michael, Congrats on starting your own business! Nothing like being your own boss, that's for sure. ...
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| being sued as does i-50 | 10/2/2006 |
Q: MY WIFE WAS SERVED WITH A SUMMONS STATING WE WERE BEING SUED AS PART OF A PROPERTY DAMAGE LAWSUIT ...
A: Dale, seems to me you have nothing to do with this case other than the address. However, I am NOT an ...
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| Business Auto Insurance | 9/26/2006 |
Q: I'm in the market for a refresher lesson on business auto insurance in general. My company has ...
A: Diane; Sorry it's been a few days, I was out of town and forgot to put on my "unavailable" status. ...
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| New insurance broker/CRM inquiry | 9/25/2006 |
Q: I'm interested in starting my own insurance agency rather than working as a captive agent to begin ...
A: Peter, I think it's a great idea to start your own agency. Obviously a lot of great people have ...
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| BUSINESS INSURANCE | 9/7/2006 |
Q: We did a commercial job where the contractor had us install gutter during January. Because it was ...
A: Jo; I wish I could answer this question for you but the answer depends on what your policy says. ...
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| Would it be better to be an exclusive agent to Geico first? | 9/4/2006 |
Q: I am sorry to hear about your friend's son. No one knows when their time is up and that is why ...
A: Sebastian; Okay, well I definitely misunderstood about your mom having her own agency! Sorry about ...
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| I just got my Insurance Broker's License | 9/3/2006 |
Q: After coming back from Iraq, I'm in the medical field in the army, I decided to do Insurance since ...
A: Sebastian, First, let me apologize for the delayed response. The 20 year old son of my dearest ...
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| Certificate of insurance for contractors | 8/24/2006 |
Q: Your answer was very informative. I would like to ask you about a little something more, although ...
A: Art; Having an agreement that releases you from liability is extremely common. Most simply put, ...
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| stuck after a car accident | 8/24/2006 |
Q: I was involved in a car accident one month ago. When I was attempting to merge onto a state highway, ...
A: It's such a shame that an accident, a split second, can have a domino effect on a person's life and ...
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| Certificate of insurance for contractors | 8/23/2006 |
Q: I was told by our agent that we should obtain a certificate of insurance for any contractor who ...
A: Art; Your agent was correct in giving you that advice. To put it simply, YOU are providing the ...
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| which companies do you mostly write with? | 8/12/2006 |
Q: starting an ind. agency soon and want to specialize in commercial insurance. Which companies would ...
A: JH; What companies you solicit for a contract will depend on what classes of business you intend to ...
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| Barnes Safe Fire Rating | 8/6/2006 |
Q: We have been sent a notice by our insurance company that they are requiring a fire rating on our ...
A: Karin; Are you using the safe for valuables or is it an antique that you display? If it's the ...
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| Insurance qualifications | 7/30/2006 |
Q: I would like to find out more about the kinds of insurance qualifications that are widely recognized ...
A: Greg; I'm sure there are designations that are sponsored in Canada as well as the ones I'm going to ...
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| i was hit from behind | 5/18/2006 |
Q: Question -is was hit from behind 5/6/06. i was driving a 1988 cheverlot caprice which was serverly ...
A: They actually told you they weren't going to pay?? Nothing at all??? You need to write down the ...
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| i was hit from behind | 5/12/2006 |
Q: is was hit from behind 5/6/06. i was driving a 1988 cheverlot caprice which was serverly damaged in ...
A: Sorry for the delayed response Bryan, my mother had a stroke and I've been out of town. Well I'm ...
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| i was hit from behind | 5/8/2006 |
Q: is was hit from behind 5/6/06. i was driving a 1988 cheverlot caprice which was serverly damaged in ...
A: Sorry about your accident Bryan. I hope you weren't hurt. Unfortunately, your options here are ...
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| rental car damaged | 4/24/2006 |
Q: Mulcahy, My husband brought my car to the body shop, and picked up a rental car from Enterprise. ...
A: Angela, I am so sorry you have to go through this! Believe it or not, I used to work for Enterprise ...
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| XCU coverage for a small business in Colorado | 4/18/2006 |
Q: We are in need of XCU coverage to be added to our general liability insurance. I need some company ...
A: P. Davis; I am so sorry for the delayed response, I was in the field all week and didn't have ...
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| Totaled Truck | 2/8/2006 |
Q: A drunk teenager hit my parked truck. He told my son he would take care of it and gave him a # which ...
A: Jim; Good detective work on your part! Sorry this happened but at least it seems to be moving in ...
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| Auto Insurance Claim | 1/5/2006 |
Q: I was rear-ended on Christmas Eve. The guy originally wanted to pay but disappeared after I gave him ...
A: Eddie; Sorry about your accident! You didn't mention any injuries so I'm glad to know you weren't ...
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| burgalary huge loss | 1/4/2006 |
Q: while on vacation our house was burgalrized lot of precious things gone including lots of jewelery, ...
A: Sue; I am so sorry for your loss. When a home is burglarized, it's such a feeling of being ...
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| Trends in claims in medical malpractice suits | 1/2/2006 |
Q: I am a practicing emergency physician frequently providing expert witness and consultation ...
A: Dean; My apologies for the late response, the holidays had me a bit off schedule! I'm sorry to say ...
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| Totaled truck. | 11/19/2005 |
Q: ------------------------- Followup To, Hi, Kristen, I have 1 more question if you don't mind? The ...
A: I don't mind a follow up question at all Rick! First, I'm glad to hear they seem to be playing ...
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| Totaled truck. | 11/12/2005 |
Q: I was searching the net about this subject and ran across this one,and was wondering if you could ...
A: Richard, Sorry to hear about your truck, bad drivers are one of my biggest pet peeves too! You're ...
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| LIABILITY INSURANCE | 10/11/2005 |
Q: Are there discounts on liability insurance for someone with a day care/child care center? Maybe ...
A: Leah; There aren't really discounts for Commercial Liability Insurance like there are with your ...
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| replacement value | 9/7/2005 |
Q: I wrote several days ago about an auto accident that I was involved in. The insurance company is ...
A: Patricia, You absolutely have rights. The most important of which, you do not have to accept their ...
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| rental car liability | 8/31/2005 |
Q: Sorry to be asking so many questions,but being involved in an accident is so frustrating and ...
A: I truly don't mind the questions. Being in an accident is something that puts you in a position that ...
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| more auto accident information | 8/31/2005 |
Q: I just asked about an auto accident involving a 2000 Toyota Sienna. The adjustor has now seen my ...
A: Patricia; Start by looking for current resale prices for your exact vehicle. Go to the Kelly Blue ...
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| auto accident information | 8/29/2005 |
Q: I was recently involved in a car accident in which my vehicle received major damage. This was not my ...
A: Patricia, Thanks for giving me some more information. Now, you've stated that your vehicle received ...
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| Insurance | 8/27/2005 |
Q: We want to have a shed built by two older men that don't have a company but just do side jobs now ...
A: Gail, Allstate is what we refer to as a Direct Carrier, or a Captive, meaning, they don't have ...
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| Insurance | 8/25/2005 |
Q: We want to have a shed built by two older men that don't have a company but just do side jobs now ...
A: Gail; A lot of home owners policies have coverage, similar to Workers Compensation, for temporary ...
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| What kind of Insurance should I get | 4/18/2005 |
Q: I am a catering business. I've just started taking my business to a new level. I've incorporated ...
A: Congratulations on your success Stephanie! Sounds like business is booming. First, let's talk about ...
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| Commercial General Liability | 2/28/2005 |
Q: This will appear a bit bizarre, but I'm not insurance savvy at all. My company hires other companies ...
A: Good Day to you as well Win! I don't know "exactly" what your company does, however, I will say this ...
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| Insurance | 1/26/2005 |
Q: Please advise me on what kind of insurance, who offers it and what it would cost me to protect my ...
A: Stewart, Can you clarify a little bit for me? Are you building your OWN house and acting as the ...
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| General Liability | 12/8/2004 |
Q: I have been in towing, and road service for 15 years with no problems, but I have recently gone out ...
A: Ken I don't know what state your in however, there are 2 carriers I know of that would offer you ...
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| Auto accident claim - Car "totaled" | 9/24/2004 |
Q: A truck driver with only a left eye (I was on his right), who had already had two accidents in one ...
A: Elizabeth; Sorry about the accident and glad to know you weren't hurt. First of all, if you're ...
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| PERSONAL PROPERTY CLAIM | 9/13/2004 |
Q: I recently had a fire in my home and some contents were not able to be repaired. I have compiled a ...
A: Gil; That's probably true but don't short change yourself! If you had other items damaged that ...
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| moving | 8/25/2004 |
Q: Kristen, I will be obtaining my personal lines p and c license in the state of Virginia but I plan ...
A: Stephanie; Congratulations on getting your license! Don't ever lose it, even if insurance gets on ...
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| Auto Insurance | 8/23/2004 |
Q: I just turned eighteen and received my license. I bought a car and applied for insurance using the ...
A: Unfortunately for you, insurance is a game of statistics and statistically, unmarried males under ...
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| i was hit form behind by a... | 7/26/2004 |
Q: i was hit form behind by a truck in new york state and at the time my policy where i was the ...
A: Yom; Sorry you're in this situation! I know you need your car fixed so let's see if I can help you ...
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| Explosion Collapse & Underground Hazards | 7/9/2004 |
Q: Actually for this particular insured, the XCU is excluded. However, we are quoting with another ...
A: Jennifer; I wish I could be of more help but I really think you need to ask the underwriters you're ...
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| Explosion Collapse & Underground Hazards | 7/8/2004 |
Q: I am looking for the CG2142 & CG2143 endorsements which give coverage for Explosion, Collapse & ...
A: Jennifer; The CGL actually includes coverage for XCU unless specifically excluded. These 2 ...
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| Family business insurance | 5/19/2004 |
Q: We are an incorporated family business. We have approx. 300a of timberland with a lodge (2 bedroom ...
A: Steve; I think the most logical place for you to start is with Tennessee Farmers Insurance Company. ...
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| Family business insurance | 5/17/2004 |
Q: We are an incorporated family business. We have approx. 300a of timberland with a lodge (2 bedroom ...
A: Steve; I completely understand your dilema and believe I can help, but I'll need to get a little ...
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| Insurance Licence's | 5/9/2004 |
Q: I am anticipating moving to another state. I have heard my CA Broker licence for 15 years must be ...
A: You won't have to relinquish your CA license exactly, however, you will need to apply for a new one ...
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| W. C. Question | 5/7/2004 |
Q: I appreciate your time and help. I'll do my best to concisely present the question, & I hope it wil ...
A: Lavaye; I am so sorry to hear about your loss. I realize it was a few years ago but I'm sure that ...
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| Auto Insurance | 4/14/2004 |
Q: Mulcahy,CIC, I've been a Master's Degree student for three years and haven't carried any auto ...
A: Congratulations on your Masters! That's a great accomplishment. The only way to cover a vehicle for ...
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| auto insurance claim | 1/6/2004 |
Q: I was involed in an accident where my 1991 custom Camero was hit by a pick-up truck while I was ...
A: Ralph, First, I'm so sorry about your car!! It sounds like a great ride. Were you injured at all?? ...
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| What Insurances? | 6/26/2003 |
Q: I have a new business that is starting to grow. I produce Virtual Tours for Realtors of their ...
A: Tim; You need to purchase a Business Owners Policy with E-Commerce liability coverage. Presently, ...
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