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...As that specialize in Construction Wrap Up programs in California (OCID AND CC...

California Governor Jerry Brown declared a drought emergency for the state, saying it is facing “perhaps the worst drought that California has ever seen since the record began about 100 years ago. In his declaration he called for a voluntary 20% conservation to our water use. The point of this declaration is to wake all of Californians up to the serious situation that people should pause and reflect on how dependent we are on the rain, nature and one other. Since 2011 extremely dry conditions have parched the state and as of 2014 90% of California is currently in a severe drought, meaning this coming year could be a giant fire year. Under the proclamation, Brown directed officials to take "all necessary actions" to address the drought, including assisting farmers and communities with water shortages. He directed state agencies to use less water and hire more firefighters. How do you see the drought affecting the insurance industry?

Most people have heard of the Fukushima Diichi nuclear disaster that occurred on March 11th 2011. This catastrophic failure occurred when the plant was hit by a tsunami that was triggered by the Tōhoku earthquake. On March 12th 2011 the plant started releasing substantial amounts of radioactive materials, becoming the largest nuclear incident since the 1986 Chernobyl disaster. This disaster along with Chernobyl has been the only two nuclear disasters to measure a Level 7 on the International Nuclear Event Scale. Their government says it usually takes several years after radiation exposure for cancer to develop, but as of August 2013 there have been more than 40 children who have been newly diagnosed with cancer in Fukushima. Data from the Chernobyl accident shows that there was a steady then sharp increase in cancer rates following the disaster. It may be too soon to know the full extent of damage. On July 22nd 2013, more than two years after the incident, it was revealed that the plant is leaking radioactive water into the Pacific Ocean. As of August 20th 2013 it was announced that 300 metric tons of heavily radioisotope-contaminated water had leaked from a storage tank. Six days later the Japanese government took charge of emergency measures to prevent further radioactive water leaks. As we start 2014 there are some concerns suggesting tat radiation from Fukushima have hit the West Coast of the United States and is causing major harm to the Pacific Ocean off of California. There is a report from NaturalNews.com that a scientific study found a significant drop off in sea life in the Pacific Ocean. At the same time the people at Deep Sea News are doing their best to debunk these rumors. They state it is not even dangerous to swim off the coast of Fukushima. What do you think? Is it safe and people are over reacting? Or is this something that deserves more attention and precaution?

I have been seeking a good market for this client for several months with no luck. This is an Insurance Inventory and Contents company. They are contracted by Insureds and Adjusters to inventory personal or business property in damaged premises. 90% of the work completed is inventory of Household Goods of Other. Occasionally they transport a portion of undamaged items to their warehouse for temporary storage in company owned trucks. These items are brought to the loading dock and placed in containers, which are then documented and filed in for storage. At a specified date, the property is brought back to the original premises once the structure has been repaired by a third party. Any or all restoration is subcontracted. The employees are asbestos certified, and if asbestos is present (incidental less than 5% of work completed), they STRICTLY manipulate and inventory contents only, no DISPOSAL will be performed as it is considered hazardous material. The movers/packers are all certified and wear appropriate safety gear on this rare occasion, and weekly safety meetings are held to keep safe working practices in order. The Workers Compensation Insurance Rating Bureau has classified this account as 9008 (janitorial) for all movers, cleaners, and warehouse work. Also, the recent audit for their active General Liability policy has updated their classification to 99938 (Warehouses). Again, the client will be hired, arrive at job site, take inventory, remove all debris, take all salvageable/undamaged furniture to their warehouse for storage, then bring it back when the structure has been repaired. All restoration, if any, is subcontracted. They have a 50,000 sq ft warehouse where sales, and clerical employees are stationed who have no exposure to the inventory/moving operations. I would like to find coverage for all lines mentioned in the subject line. Please let me know if anyone can help. Thanks in advance. [email protected]

I've been in the insurance industry nearly 12 years, and I've become the guy that gets the hard to place referrals. On a daily basis I work with businesses that generally do not fit with the standard market. Here are some examples of recent accounts: - FMX (motocross) jump shows - They show up to any event, weather it be a track, beach, or parking lot, and perform flips and tricks as an opening act to a main event. (still considering new markets for this as they require monthly special event policies). - Inventory/Contents companies - They require Inland Marine for contents of others, as well as GL/EPL/Pollution Liability/Work Comp. They own a warehouse where contents of others and BPP is stored. The majority of work performed is taking inventory at residential and business properties, and incidentally will remove undamaged PP for temporary storage. Sometimes the inventory is completed in locations with exposure to asbestos; which they are fully licensed and trained to do so while wearing proper gear. - Textile/Home Goods Sales - They have two warehouses; one for storage, one for packaging/shipping. All sales are to wholesale and public via the web. - Swim Instructors - Teaches children aged 3-18 to swim in public and school pools. Package required. - Commercial Production Companies - Requiring coverage for props/sets/wardrobe, GL, hired auto, work comp, all on short term basis. - High Ex Mod/Large premium Work Comp risks. - Several clients from Machine Shops, Body Shops, Warehouses, Janitorial, with 500k - 3mil payroll with either lapses in coverage, large recent claims, or high ex-mods. Needing a market for the Work Comp - NO PEO! These are just a few examples of accounts within the last 30 days. I currently work with too many GA's, most of which do not have a market for a few of these. I'd like to find someone to work with that is quick on response, follows up, has reasonable fees, and has a broad range of market access. Please only reply to this is you are serious about being able to help. Thanks in advance. Regards, John H Crawley [email protected]