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Good afternoon...let's post this again as a "discussion". When I sit down with a small business owner, I typically ask these 12 questions as part of a survey that then allows me to offer their business a free listing for one year on our GoSmallbiz.com website. As you read these 12 questions ask yourself how many "yeses" would you expect from your commercial clients? Here we go... Have you ever 1. Had a dispute with a supplier, landlord, customer or employee? 2. Had difficulty collecting money from customers? 3. Signed a contract or document you hadn't fully read or understood? 4. Felt you paid too much in tax? 5. Had questions about incorporating and legally protecting your business? 6. Worried about being sued by customers, vendors or employees? 7. Wanted to market your business more effectively over the Internet? 8. Wanted to have a resource for any business or legal question? 9. Wanted to get advice on increasing your business revenue and profits? 10. Wished you could afford to have an experienced attorney or business consultant/coach without having to worry about the fees involved? 11. Had to hire or fire an employee? 12. Wondered if you were compliant with federal and state regulations? I imagine that the majority of your clients would actually answer "yes" to many of these questions. You could offer them a great solution which would be one of our LegalShield small-business legal plans that start at just $49/month. I look forward to helping you as you help your clients and welcome further discussion.

I have a home healthcare company here in AZ that is in need of comp coverage, no prior and I've contacted every market I can think of which leaves us with the assigned risk. That being said we'll be moving on a policy for the insured however he has a contractor in TX that he would also like to provide comp coverage for. Annual payroll for the TX contractor is $62,400 (8835 class code) and we can't add to the NCCI policy since TX isn't an option. Does anyone have any ideas as to where I could write this part of the comp business? Better yet if anyone knows where I could write it all together that would be great. Here's a breakdown of the payroll amounts: - 2 w2 home health nurses (8835) - $143,425/yr payroll (AZ) - 1 1099 contractor home health nurse (8835) - $91,800/yr payroll (AZ) - 2 Office employees (8810) - $54,720/yr payroll (AZ) - 1 1099 contractor home health nurse (8835) - $62,400/yr payroll (TX) - 3 owners all excluded at 8810 class code - $86,400/yr payroll each Any help is much appreciated. Thank you!

I have a client that failed to respond to a WC audit, he has since completed it, and his carrier has cancelled the policy. No claims, masonry contractor based in Kansas and also does jobs in Missouri and Oklahoma. Does anyone have a market for this?

Add and participate in topics related to -
1. Personal Lines
2. Commercial Lines
3. Benefits

And just about anything related to the P&C industry.

Hello All, I am contemplating on hiring my first agent. What should I be aware of and what are the common splits in commission and broker fees? Thanks.

Collectibles Insurance Services also provides c...

It seems an increasing number of carriers have resorted to hyper-inflating their residential Replacement Cost calculations as a means of generating increased premium revenue, and policyholders are outraged! Is this problem unique to Illinois or are agents in other states having similar experiences? When 3-4 bedroom tract homes that sold for $250,000 before the collapse of real estate prices generate RC estimates well in excess of $700,000 - more than double their current market value - there's a credibility problem! Is the Homeowners industry trying in one fell swoop to overcome the under-insurance issue that was a popular topic a couple years ago? Probably not, but it's time to re-examine the accuracy of widely used replacement cost algorithms.