| Subject | Date Asked |
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| hazard property and casualty ins claim | 11/20/2009 |
Q: My question is this, I've got conflicting information on whether there is a "formula" ins companies ...
A: Kirk, If you will read the policy you should see that the insurance company will provide coverage ...
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| Independent vs. Employee | 11/14/2009 |
Q: I am about to obtain my 2-20 license for Florida. Do I work at the small privately owned corner ...
A: Marlene, My answer is tempered by an entrepreneurial spirit. I have been a producer and agency ...
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| Clients Files | 11/2/2009 |
Q: For how long does Insurance Broker have do maintain and keep his clients files?
A: Tatyana, The length of time an insurance broker is required to maintain and keep client files ...
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| Insurance should pay for full coverage and I should pay only deductable | 10/14/2009 |
Q: I have a $500 diductable on my car. I got into a car accident and they say They cant fix all damages ...
A: Mary, It would appear that the claim adjuster has determined that there was existing damage to your ...
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| Non Renewal of Residential Ins Policy. | 10/5/2009 |
Q: I live in Chicago Il,and have a Couch House in the rear of a lot, and in the front of the same lot ...
A: Mr. Garcia, It has been 20 years since Allstate made the decision to non-renew your policy. I must ...
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| Garage Liability vs. General Liability | 9/10/2009 |
Q: Hal, Recently some carriers has transitioned into using an endorsed GL form vs. a Garage form for ...
A: Erica, One carrier's garage program will need to be compared and contrasted with another carrier's ...
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| Street worker | 8/19/2009 |
Q: I need to get my roof tarred. If I hire an off the street man and he gets hurt while doing the job, ...
A: Goldie, That pretty much depends on the state within which you are located (workers' compensation ...
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| contractors liability insurance | 8/8/2009 |
Q: We are considering to have work done by one of the "handyman" franchises in our home. My concern is ...
A: The short answer is yes. But, there may be an independent contractor agreement between the worker ...
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| Commissions vs Fees | 8/4/2009 |
Q: Could you tell me the difference between commission paid to Producers vs. fees that the Producer may ...
A: Donna, Depending upon the state within which the producer/agent is licensed, he/she may be afforded ...
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| vehicle worth | 7/31/2009 |
Q: My car was totaled. 2003 dodge grand caravan sport, about 97k miles, good to great condition. I had ...
A: Go to used car dealers in your area (you should be able to pull up a few online) and see if you can ...
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| workman's comp ins | 7/11/2009 |
Q: I am an independent contractor, I work in hospitals to provide temporary leadership over nursing ...
A: Annie, Depending on where you are located, Workers' Compensation coverage may be available to you. ...
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| Non licensed insurers | 5/2/2009 |
Q: I am in California and just wrote a check for a commercial general liability policy . When I ...
A: Don, The use of nonadmitted insurance carriers, via the surplus lines market, should not concern ...
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| Personal Veh Damage While at Work | 3/24/2009 |
Q: While parked in a designated parking area during regular business hours of a USDA Service Center ...
A: Regina, Whether or not the building owner is liable is a legal question I am not competent to ...
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| Consignment Coverage | 3/13/2009 |
Q: We are in a pickle! I work at a non-profit animal shelter in California. My mother decided a while ...
A: Jennifer, First, let me say how sorry I am for your mother's loss. It's difficult enough to make a ...
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| P & C License | 1/30/2009 |
Q: I am a Financial Rep with series 7 & 66 as well as Life and Health license in NJ. I had my security ...
A: Bipin, Go to the following New Jersey Department of Banking and Insurance webpage: ...
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| is my employeer liable? | 12/28/2008 |
Q: i work in lacey, wa. we had SIGNIFICANT (13 inches)of snow this past 2 weeks. the company i work ...
A: Nichole, First, let me start off by declaring that I am not an attorney, so I am not competent to ...
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| Company fire | 12/2/2008 |
Q: The small company I work for sustained smoke and soot damage from a fire next door to us on Nov. ...
A: Lori, I had initially returned this question to the pool and marked it as "Homework" (students seek ...
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| Commerical Auto | 11/11/2008 |
Q: If you have a landscaper and on his auto insurance he has a trailer would you need Liability/med ...
A: Jennifer, This is a question which should be discussed with your commercial auto underwriter. ...
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| General Liabilty Insurance | 9/18/2008 |
Q: Where can I find a list of all the Gen Liability maximum payouts/ caps for each state?
A: Crystal, You will need to be a bit more specific concerning the circumstances surrounding a given ...
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| Contamination Claim | 8/22/2008 |
Q: Hal, I have an insured who's semi tanker was rearended on KY hwy causing tanker to rupture and spill ...
A: Janet, I suppose my initial question would concern the coverage carried by the party responsible ...
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| Commissions | 7/24/2008 |
Q: I'm a new licensed independent broker in California. I would like to get some idea on what ...
A: Ava, The answer to your question about commission rates depends upon what you have negotiated with ...
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| Insurance Claim | 7/15/2008 |
Q: We own a mobile home, no mortgage, we suffered a major water leak which destroyed 2 and possibly ...
A: Jennifer, As you are aware, mobile homes are insured for the street value or Actual Cash Value ...
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| China – Importer | 5/29/2008 |
Q: He manufactures the product in China. and sells a finished product that is being used to assemble ...
A: Joel, Depending on the use of the client's product and the potential liability stemming from that ...
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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: David, First, sorry to hear of your losses. Next, to answer those who have told you that ...
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| GL policy, unoccupied property | 4/11/2008 |
Q: the estate of my wife's grandmother owns 121 acres in Alamance County NC... we have had a GL policy ...
A: Joe, My first call would be to the agent handling my personal homeowners insurance policy to have ...
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| errors and omissions | 3/25/2008 |
Q: I live in an active adult community and serve as chairman of the committee that oversees the pool ...
A: Giles, Your question is best directed to your attorney to determine whether or not you have a legal ...
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| business insurance | 3/16/2008 |
Q: My wife is a hairdresser and needs liability insurance. Can you refer us to any reputible ...
A: James, So sorry for the delay. There was a glitch in the server forwarding your answer or my ...
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| Lenders Mortgage Insurance & The Credit Crunch | 3/16/2008 |
Q: I live in Australia and am looking into LMI as part of a project at collage. Iam unsure if ...
A: Paul, The general insurers who provide LMI coverage in Australia will manage the risk of their ...
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| Company notified of possible charge | 2/26/2008 |
Q: Last week I was pulled over and given a DWI. I am in the process of getting it possibly dismissed ...
A: Kristen, I am a person who believes that we should put the interests of others ahead of ourselves, ...
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| Car damaged on work parking lot. | 2/18/2008 |
Q: I worked a night shift at McDonalds from 11pm-7am. Our policy is that the staff with vehicles are to ...
A: Christen, First, sorry to hear about your difficulties. The question you ask is of a legal nature ...
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| RE: Property and Casualty | 1/24/2008 |
Q: I'm a licensed life/health considering getting the 220 license because I'm also doing mortgages ...
A: Rod, My suggestion to you is that you seriously consider doing that which you do so well ...
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| fire damage from store next store | 12/25/2007 |
Q: a year ago there was a fire next store to my retail business. I had smoke, some water damage and the ...
A: First, I would contact an attorney. I would not hire the attorney, but seek an opinion concerning ...
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| Commercial package and Group health | 12/7/2007 |
Q: I wonder if you have an idea about this. My company in Jacksonville, FL uses an independent agent ...
A: Carl, As with any company offering a product or service, the ultimate goal is revenue. Now, we may ...
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