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...policy for employees who work in a group home. They work with troubled teens a...

Hello Peers We currently write a High Value Homeowner in TX with Chubb. They are undergoing a 120 day renovation project, the contract for which includes a mutual waiver of subrogation clause. Chubb requested the contract when we asked for improvements to be added to the policy, and now they want OFF the policy altogether, because of the WOS Clause. Contractor said that this standard verbiage in all their contracts and this is the first time this issue came up. Other Carriers will not accept the risk while renovation is going on. Any advise on how to handle this? Veronica Ventura

My client owns an elderly adult service, basically her employees go to the home of the patient and they visit with them for the day and help them with small tasks such as; light cleaning and cleaning. The employees do not provide any type of medical help with prescriptions, they do not drive them anywhere, home healthcare services are not provided. My client has 2 employees and need workers compensation and liability. Can anyone who has a market help me with this?

Long shot...but...does anyone know of a carrier that will offer flood coverage on a home included as a 1316 property?

...only, they will help place them in homes. GL, PL, Child Welfare etc will be ne...

Hi All, I'm in some uncharted territory, preparing to sell homeowners insurance in southern and coastal states. Our agency has yet to quote or issue any home policies down south, which is why I'm reaching out on here to see if anyone has any helpful tips or advice for me. The specific question has to do with building code grades, or the "Building Code Effectiveness Grading Schedule" (BCEGS) as it relates to writing homeowners policies. Now that we will be selling in states like Florida, where there are greater exposures to things like hurricanes, the Building Code Grade will likely be a rating factor. Does anyone on here has experience with issuing homeowners policies where these building codes were at play? Is there a specific type of document (home appraisal? other form?) that is used to verify the building code? What documentation/proof the insurance companies require? Basically any information at all about the BCEGS would be appreciated. I want to make sure we are fully prepared for this new factor when quoting and issuing homeowners business in new territory. + Multi Quote Top PS - in case this information is at all helpful... our agency uses a comparative rater, and there is a field that asks for the Building Code Grade. The options are "Ungraded" (which we have always used, here in the Northeast), or 1, 2, 3... up to 10. Thanks again everyone!

...rior decorator and she also stages homes for open houses and other events, she...

I have a restoration company insured that is doing work in Panama City, in addition to his restoration work he provides a trailer for the homeowner to live in on their property while their home is being repaired, he is looking for property coverage on the trailers only, anyone know of a market?

...kets in NY & NJ. 1. Monoline homes: Most carriers we write with will not...inst. Where are you all placing these homes? 3. Marketing: What type of marke...

... and millions of people lost their homes. We are unsure of when, where an eart...