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...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...

I'm looking to expand my agency's market reach for HO Insurance in Florida. I'm appointed with UPCIC and Citizens but that is simply not cutting it. Is anyone aware of a HO broker or companies that are appointing?

Any advice to where I could place a $1million dollar home in Arkansas. It would be a monoline and none of my standard carriers will take a monoline home.

I need a market that can provide coverage for a private therapy home based business in addition to general liability. My client owns a home and it is used as a home therapy retreat center for patients who need additional help with physical therapy. They have the option to stay in the home in one of the rooms or they can just come for a session and leave. My client has a physical therapists who work with the patient and they are sub-contracted and my client only handles the administration part of the business.

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!

... a client who is transports mobile homes around a 100 mile radius. I need a ma...

Does anyone know of a market that will write a Fire policy for a damaged secondary home? I have a home that will be knocked down and rebuilt, however I need a Fire policy to cover the existing structure until the insured is ready to take that step (in about 6 months). This would be in NJ down the shore. It was damaged suring Hurricane Sandy and is not inhabitable. Thanks!

Hi Everyone, I am currently trying to help a prospective client in placing coverage for a workers compensation policy for employees who work in a group home. They work with troubled teens and this home is only a temporary placement until the teens either return to their families or a foster care family. There are 6 trained and certified staff members and my prospect would need a competitive workers comp policy for their staff members. I am open to all suggestions.

...or cats. They place cats in foster homes until they can find a suitable home....

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!