Have your tried to get appointed by any preferred compaies yet?

I have a client who is an owner builder and his contractor does not have liability insurance. Is there any companies that will write personal liability for this client eventhough his contractor does not carry GL?

If you are going with Farmers you will want to visit http://www.ufaa.com (United Farmers Agents Association). You will be able to get some information there.

Good Luck!

vicious503, When you are new to the field you will have limited options. If you intend to make a career out of this you will want to be an independent agent somewhere down the road. However, you may not be able to start out this way. So wichever route you decide on make sure you are always planning ...

Check Yates and Associates.

Have the evidence of insurance state that the insurance has been paid for the year. On your cover letter re-state that the premiums have been paid. You also may need to contact ecrow.

carterrud, what appointments do you have? Are doing insurance full time? If you have good appoinments and do insurance full time that is not good.

When I started I only focused on personal lines. I did $300k with a captive company with bad rates my first year by myselft.

carterrud,

What State are you in?

I am an independent agent and have been a captive agent in the past. Since you are new to the business what you should really consider is working for a broker as a producer for about two years before opening your own office. That way you can have them provide you guidance and support. Once you have ...

That is a really good split.

Does the broker have good appointments in place?

Can you get in on his E&O?

Can you get access to his rating programs?

Will the broker let you transfer policies when you get direct appointments?

If you can answer yes to the above that would be the way to go.

You said that you have a broker that you would use for their contracts, what is the split that he will pay you? Also, will the broker give you guidence?

Don't put all your eggs in one basket. Take the independent route. It will be harder at first but in the long run you will be better off.

You will have more options for your cusomers (Preffered and non-standard). Not just one comapny to put them with.

I am looking at teaching new agents to help get their license.

What did you have to do to get started?

Has anyone here ever taught a P&C class. If so can you give some feed back.

Thank you.