Heck no, you cannot ignore it. In my experience if they are doing this once they are doing it many times. The question is how do you confront it without losing your job. I have experience something similar where in an agency I was purchasing many years ago the pricipals were adding broker fees to po...

I too am in California and have been severly impacted with the dying construction industry. Yes, we can look for other clients and markets, however, we are now seeing a downturn in many other industries from furniture stores to hair salons to various mercantile risks. This is just the tip of the ice...

Incredible service and claims handling also. Most everything you need is on-line. Underwriters are always available and prompt with responses. Everyone I've dealt with is extremely friendly and knowledgable.

Yes, through wholesalers policy has manifestation clause. Still on admitted paper though. You are right about being same as claims made. I wasn't aware direct appointment policies didnt have the manifestation. I wil have to pursue that.

Doesn't CBIC have manifestation clause? Not good to sell a contractor with that clause. Unless you disclose to insured in writing and explain all the issues. Still, I would not do so.

Every one of our new agents has attended the AD Banker classes in San Diego area. Every single one has passed the state exam with no problems, first time. Each one has also commented how comprehensive the classes were and how easy the exam was after taking the classes, especially after attending the...

I have been told by several underwriters this is due to the newer underfunded RRG's popping up all over the U.S. The concern is whether the RRG will still be around when a claim arises years down the road. The "true insurance companies" are concerned about defense costs of a claim involvin...

Also be aware that if you purchase the RRG and at a later time try to come back into the "insurance" market, many true insurance companies do not recognize RRG's and therefore consider you as having a lapse in coverage or no prior insurance. This could result in a large surcharge on your &...

Be careful going to RRG's!! Check with your E&O before you go that route as many E&O carriers do not allow placing with RRG's. Also if you place with RRG and later the contractor wants to come back into the
"insurance" market many carriers view RRGs as NO PRIOR COVERAGE.