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Property & Casualty Insurance/Questions Answered by Expert Hal McFarland, CIC, ARM
| Subject | Date Asked |
| Work related accident causing property damage/no injuries | 9/25/2011 |
| Q: My son (21) was driving a weekly route one day for work and drove into ditch causing the work truck ... A: Molly, This is really a legal question - not an insurance issue per se. However, I really doubt ... | |
| insurance | 7/27/2011 |
| Q: .My house was just recent broken into.They took all my electronics TV,games ... A: I am so sorry to hear of your loss and the subsequent disappointment with your insurance company's ... | |
| Leak | 6/14/2011 |
| Q: I had a major leak in my house. The assurance adjuster wants to replace 30 % of the wall paper in ... A: So sorry to hear of your frustrating experience with your insurance company. Hopefully, you did not ... | |
| CG2268 endt for car washes | 2/26/2011 |
| Q: A GL policy endorsed with a CG2268 endt; Employee is driving customers vehicle through the wash ... A: Patti, First, let me apologize for the delay in answering your question. Under the older ... | |
| Garage Liability Problem | 4/5/2010 |
| Q: I have a garage risk where I am running into trouble with the non owned auto liability. I have a GL ... A: Robbie, Again, not having the forms to read, it is a bit difficult for me to advise you properly. ... | |
| Garage Liability Problem | 4/1/2010 |
| Q: I have a garage risk where I am running into trouble with the non owned auto liability. I have a GL ... A: Robbie, This is a bit difficult to answer without first reading the GKLL form and the Commercial ... | |
| Water Damage Claim | 2/17/2010 |
| Q: We had our pipes break in our 2nd home. Flooded the whole house and needs to be gutted. Our ... A: Kare, First, I am so sorry to hear of your loss. I know it has been a trying experience for the ... | |
| Water from new home built | 2/9/2010 |
| Q: An old home was torn down and replaced with a new one. Now I have water entering my basement ... A: Antwuan, I will assume that the basement already existed with the old home and the contractor ... | |
| Salvage title | 12/28/2009 |
| Q: I have a chance to obtain a 1990 park model home that had a water leak. The insurance paid the ... A: Ross, Congrats on finding the trailer. The question concerning the titling of the trailer should ... | |
| storage shed insurance | 12/4/2009 |
| Q: I had a pre-fab storage shed placed on vacant land that I own in upstate New York. I plan on ... A: Rick, Have you been in contact with the insurance agent/broker handling your home and auto ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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: ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
Property & Casualty Insurance
Answers by Expert:
- Kevin Hromas - JD, EGA, RPA, PLCS, WIND Umpire
- James R. Berliner, CPCU
- Fred Morris
- Harold E. Long, LUTCF, CLU, ChFC, RFC, RHU, REBC, CIC
- Dennis Smith
- James R Carrier
- Wim Desmadryl
- Bennie719
- Deanna Terry
- Thom Brooks
- Kristen Mulcahy, CIC
- Hal McFarland, CIC, ARM
- Jay K. Williams, AAI, AIP, CIC, CRM
- steve zimmerman
- Dominick Belinchak
Hal McFarland, CIC, ARM
Top Expert on this page
Expertise
Business insurance issues - Property/Liability/Commercial Auto/Workers' Compensation/Group Major Medical.
Experience
27 years advising commercial clients.
Education/Credentials
Certified Insurance Counselor (CIC), Associate in Risk Management (ARM).
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