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What are the legal issues surrounding a company paying their small WC clamis and not reporting to their carrier in order to keep them from hitting their loss runs and negatively impacting their loss history, Experience Mod., ect.?

Looking for Workers Compensation Florida Market for experienced a/c contractors that work on Condo's etc over 3 story-up to 18 story with no prior history.

Hi all! We are having a couple of issues with our personal lines markets in NY & NJ. 1. Monoline homes: Most carriers we write with will not write the Home without the Auto. This is a bigger problem in NJ than in NY, but still a hurdle we need to overcome in both states when we have to compete against Geico's auto pricing. Who are you all placing your monoline homes with? 2. High Valued Homes: Most of our carriers will not write a home with a dwelling limit higher than $1.2M and most high value home carriers want homes starting around $2M. Chubb can write the homes in between, however their pricing is much higher than the direct writers we come up against. Where are you all placing these homes? 3. Marketing: What type of marketing do you all do? We have a great website and Facebook page, however we do not see a lot of new business come our way via these channels. Have you had success with local commercials, mailings, diner placemat advertising, etc.? I look forward to reading all of your comments.