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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!

Now do you think insurance is pricey? Imagine if you participate in this: (CNN) -- Before the transcontinental race in "Cannonball Run," the starter tells the gathered racers, "You all are certainly the most distinguished group of highway scofflaws and degenerates ever gathered together in one place." Ed Bolian prefers the term "fraternity of lunatics." Bolian, a 28-year-old Atlanta native, had long dreamed of racing from East Coast to West. A decade ago, for a high school assignment, Bolian interviewed Brock Yates, who conceived the Cannonball Baker Sea-To-Shining-Sea Memorial Trophy Dash, aka the Cannonball Run. Yates, who played the previously quoted organizer in the film he wrote himself, won the first Cannonball in the early 1970s with a time of 35 hours and 53 minutes. Read more about this exciting drive: http://www.cnn.com/2013/10/31/us/new-york-los-angeles-cannonball-speed-record/index.html?hpt=hp_t1

I am in need of a market for a Teen Community Center, the center has been finished being constructed, there is a small skate area with a few ramps in it attached on the side of the center. The Teen Center will hold dances on the weekends and during the week teens can hang out and play games. This center is intended for junior high and high school teens. My client is needing: PL, GL, and Equipment Breakdown.

Looking to find a market for an assembler of electronic parts. This manufacturer produces heavy duty electonic controls for automotive lighting, electric windows, ignition and starting. NO brakes, throttle or cruise control parts. The controls are for street rods and dragsters made of heavy duty blocks with sturdy components and contacts rather than the light-weight parts in today's autos. Need also property as well as products. Most of the usual players won't play...previously with RSUI but they are leaving the marketplace. ANy ideas? Thanks Randall Jones

Hello Peers I have a risk with 34 autos. Progressive is getting off the risk due because they have more than 20 units in their fleet plus. Their loss history is not good over the last five years at $250k. Expiring premium is $85k. Scottsdale has not yet told us if they are quoting. NICO via Pacific Gateway takes a very long time to offer any terms. The renewal date is 8/28/18. Any suggestions for a market? Thank you,

Hi Everyone, I have a prospect that I'm trying to help find a market for, they have a small business and they drive their customers personal vehicles to their designated destination. They do have a written contract with their customer but their are restrictions in the agreement, my prospect needs their own coverage for driving their customers cars. They needs liability and auto coverage and they do not drive their customers outside the state of Florida. Referrals will be greatly appreciated!

A lot of my clients request the bare minimum coverage for their policy requirements, and even more will only get the coverage they are required to obtain. My concern is they are not being covered as significantly as they need. The clients that have excess coverage, higher limits, etc are the ones who have gone through a loss and experienced how limited coverage can hurt you in the long run. What are your clients doing? Do they fully understand what would happen if they were sued and their policy only covered a portion of the awarded damages? I try to express this need, but I feel like the economy has put my clients in a tough position of taking lower policy limits, higher deductibles, and bare minimum coverage. Lower insurance = higher risks in case of a claim.