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...cash, which he obtained from his business, an escort service. He explained he ... claim or a mutual rescission of the policy. Counsel for the insured promised ...

... -- ' Main Street ' type small business accounts   C. 5 -- Fire Pros...#160 2. NATURE OF THE PROSPECT'S BUSINESS:   3. ENTITY MAKEUP, LOCA...

...o principals in the family-owned business. The contractor had messed up the fo...ity ratio than the agency's regular business, Monaghan says. Expanding pro...

... It walked in the front door and asked for an application. In about 1980, a controller from a construction firm office up the street walked in and asked if we had a contractor surety questionnaire, ' recalls John Ward, one of two principals in the family-owned business. The contractor had messed up the form provided by an out-of-town agent and needed a clean version to fill out. I said I could provide the same service for him locally, ' says Ward. We had never done surety bonds before and I thought it ... coverage is his most profitable line of business. About 15,000 golf tournaments in the , and the carry hole-in-one insurance through and Everhart agency subsidiary, the National Hole-In-One Association. The tournaments offer prizes for holes-in-one ranging from a few thousand dollars cash or a new automobile to $1 million cash, and buy insurance to cover the award if somebody actually records an ace. Premiums normally are about two to five percent of the prize value. Aetna Casualty and Surety Co. is the carrier for the hole-in-one coverage. Everhart created ... association to allow him to report all of his premiums in Texas instead of each individual state. The association, which has captured about two-thirds of the hole-in-one insurance market in the , also sells promotional materials, merchandise and consulting services. Niche marketing can have its drawbacks, however. If you don't produce a profit for the underwriter, it's liable to pull the whole book of business, ' Everhart says. A few years ago, I started a program to insure Corvettes. We had a large client base. But then the ...

... his skill at lying under oath was no match for the facts counsel had obtained from the SIU investigator. Counsel led the insured down a path of lies: The insured claimed to have purchased the vehicle for $100,000 cash, which he obtained from his business, an escort service. He explained he kept the cash at home because it was earnings he did not wish recorded in a bank account. He produced a bill of sale purportedly signed by the neighbor reflecting a $100,000 sale. He produced the ... purchase Physical Damage insurance on a Rolls-Royce before the regulation was fully effective. His planning was flawless. He was thwarted in his efforts only because of the actions of a dedicated, thorough investigator. To start his plan, the insured went to a Beverly Hills classic automobile dealer and took two Polaroid photographs (slightly out of focus) of a 1946 Rolls Royce. Unlike modern cars, the Rolls did not have its vehicle-identification number beneath its windshield. It was written on the specification sheet provided to him by the dealer. The ... began to create an artificial 1946 Rolls-Royce. First, he visited the Department of Motor Vehicles and obtained forms from the department for the issuance of replacement title and registration documents. He then filled out the documents with a vehicle identification number similar to the one in the showroom, but 200 digits higher. He also filled out a sworn declaration of lost title and signed it with the name John Jones, vice president, Lincoln Savings and Loan, the lender. The Department of Motor Vehicles processed his application for lost title and registration without ...