darnovak: If they don't have a rating schedule and come up with a composite rate, I'm right there with you.

I only wish that other agents/brokers would bring up the level of knowledge and client service to our apparent levels.

darnovak: I have read the insured's policy and I am one of the few insurance people that do read policies - particularly endorsements; and, even more importantly, endorsements from non-std. companies on quotes. The MGAs I deal with don't like it, but I've trained them to send me the policy form and ...

What kind of contractors? Residential, commercial? Artisans or GCs?

You are absolutely correct about the non-owned and hired exposure. In this particular case, the insured has a BOP with this coverage on it. That's why I didn't address this in the scenario.

Thanks for all the replies.

Since yesterday, I've found some really interesting information related to the personal auto and the use of commercial vehicles. First, here's St. Paul Travelers requirements on the personal auto policy: Vehicle Eligibility 1. Vehicles must be private passenger automobiles owned or leased by an indi...

tsorrels - Thanks for the reply. However, I didn't buy anyone's book of business, so this isn't an issue. And, this is a prospect that I'm looking at where a direct writer has the current policy written on a personal auto using a business class. CATHIEA - The is a locksmith business. So, they are us...

I've researched the web extensively including paid publications such as IRMI's (International Risk Management Institute's) Commercial Auto and Personal Lines manuals. I've also read both the commercial and auto personal lines policies to understand coverage intent. I can't find any information speci...