| Subject | Date Asked |
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| Property and Casualty | 3/31/2009 |
Q: My car was being repair at dealership. While at the dealership, the car sustained hail damage. Is ...
A: Unfortunately, they are not usually "legally liable" for "acts of God" and their dealer policy won't ...
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| Cancellation of an Insurance policy for Non-payment | 2/19/2009 |
Q: My question is in 2 parts 1. If an Insured does not pay the first instalment premium and the ...
A: In both cases the cancelation is pro rata as of date of cancellation. If coverage is in a non ...
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| Surety Bonds | 2/11/2009 |
Q: Is there any reason that I should NOT use two separate bonding companies; one for large bonds and ...
A: Absolutely use one surety. A surety is a a partner and they want to be a part of your operation. ...
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| Contractor question | 1/24/2009 |
Q: We are a wood flooring and remodeling contractor located in Texas. We would like to pursue ...
A: Submit your question again to an insurance adjuster or claim person for specific steps and what they ...
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| nonowned auto liability | 7/10/2008 |
Q: Does the ISO CGL policy with Symbol 1 or 7/8/9 extend coverage for nonowned auto liability for a ...
A: 8 picks up hired car and 9 picks up nonowned. If a sub is not hired to do transportation they fit ...
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| nonowned auto liability | 7/9/2008 |
Q: Does the ISO CGL policy with Symbol 1 or 7/8/9 extend coverage for nonowned auto liability for a ...
A: The policy says: 1. "You" (That's the GC on his policy)are an insured for any covered auto. 2. ...
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| Property Insurance Claims | 4/17/2008 |
Q: I own several homes in Minnesota and would like to submit multiple insurance claims on different ...
A: You need to talk to your agent as Minnesota is different from Texas. In Texas companies are used to ...
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| Surety Bonds - Construction contractor | 11/1/2007 |
Q: Tom, Scenario: Owner and Prime Construction Contractor have entered into a cost plus contract ...
A: 1. In order to answer this you need the contract to determine what terms it has that address the ...
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| sales goals and new to pc sales | 8/27/2007 |
Q: Mr. Ellis, To give you some background I am a field underwriter for a small mutual insurance co for ...
A: Here's some thoughts for you: 1. Do you have sales aptitude and attitude? Have you been tested and ...
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| designations | 7/29/2007 |
Q: do you think your designations help you in property & casualty or are they just used to market ...
A: Yes to both. Designations don't necessarily make you better or smarter than others with out a ...
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| railroad inclusion | 7/3/2007 |
Q: We are a company that places conduit by means of directional drilling. We had a job to directional ...
A: Here are two excellent Houston agents who understand construction risks: Brady, Chapman, Holland & ...
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| The beginning of an agency | 10/27/2006 |
Q: I have just resigned from a huge life insurance company in order to start my own agency. I am ...
A: Sorry but licensing and company appointments vary by state. Contact your local or state Independent ...
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| Insurance Loss Development Factors | 10/13/2006 |
Q: Not sure if you are the right person to ask this, but here goes - I work for a large carrier in the ...
A: I'm not sure what a "LDF Plan on Incurred Losses" is. However if I were calculating an LDF for an ...
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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: This comes down to a business decision on your part - are you willing to take the risk of ...
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| General Liability Insurance Increase | 9/6/2005 |
Q: We have insurance through Metro Allied North Insurance Agency here in Houston and they used Western ...
A: I don't have enough info to answer your question. You need your agent to give you an detailed ...
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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: I'd recommend that you hire someone that already carries Workers Compensation and General Liability. ...
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| Liability 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: I deal with commercialconstruction accounts and thus don't have current knowledge of residential ...
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| e&o | 6/17/2004 |
Q: where can i find e&o insurance thanks
A: Not enough info. What kind of E&O? What type risk? I'd suggest you go to www.iiaa.org and click on ...
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| Contractor insurance | 11/3/2003 |
Q: I am looking to go on my own as a Sub-Contractor for Cabinet installations and finish carpentry,but ...
A: Your current agent may be well versed in construction insurance but you should ask him how many ...
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