OFFICIAL - CA Commercial Insurance Thread -=>All Lines<=-

Mar 29, 2008

  1. norcalinsurance
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    norcalinsurance Expert

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    This forum is wonderful, but it's almost too big! I tried searching many different threads that focus on CA Commercial insurance, all lines, but couldn't find any, so I wanted to start this one.

    Whether your trying to place a liability policy for a condo/apt. complex, or whether your trying to write workers comp in CA, lets use this thread to keep all CA Commercial Insurance in one spot, whatever kind of Business insurance your looking to write in CA.

    Let the CA Business posts begin:
     
  2. insuremojo
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    insuremojo Super Genius

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    Hello norcalinsurance,

    You're gonna find most agents on this forum are mostly health & life agents. There are a few that multi-line such as myself but even then my passion is in health & life insurance, only writing auto/home/commercial for quick easy bucks by cross selling my health and life clients and vice versa.

    Good luck.
     
  3. djs
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    djs Super Moderator Moderator

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    Okay, I'll bite.
    I need to find a carrier for a vacant building (San Jose, CA), corner of a busy intersection, used to be a restaurant, currently fenced off, but unusually little clearance between the building and the street.

    Vacant buildings are tough, this has no real security to it.

    Next:
    Small building in Oroville, 10 feet of clearance to property line and significant brush. ARS rating is okay, but brush kills everyone. Any ideas where to place this? Basically, it's down to invading the neighbors property to clear the brush.

    Those are my only 2 issues this week.

    Dan
     
    djs, Mar 29, 2008
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  4. norcalinsurance
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    norcalinsurance Expert

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    Try Doris at Monarch Excess. She always finds a way to get you what you need:

    [SIZE=+1] Doris Rojas
    [email protected]
    Monarch E & S Insurance Services
    40 W Cochran Street Suite 203
    Simi Valley, CA 90365
    Phone: 805 577 6800 Ext. #. 229
    Fax: 805 577 1915
    [/SIZE]
     
  5. JHL216
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    JHL216 New Member

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    Good to have this thread. I just recently joined and it looks like most people on here are Life/Health.

    I have a infant/childrens shoes manufacturer that makes fabric shoes for infants to 3 year olds locally. No imported items. Recent contract they secured is requiring $1MM/$5MM GL with products liab. I got a quote with burlington for the first layer $1MM/$2MM, but can't find anyone to do the excess $3MM for a reasonable price. AIG would have been able to do it at a good price, but underwriter declined due to the infant/child clothing class. I have had a few other declinations and so far the best I can get is something in upwards of $5k, which is a lot for this start up.

    Anyone know a market that might specialize in this?

    Thanks,
     
    JHL216, Apr 1, 2008
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  6. djs
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    djs Super Moderator Moderator

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    If AIG declined, you are in trouble. Take the 5K and run with it. It's actually not bad for the risk, given all the recalls on childrens products lately.....

    Dan
     
    djs, Apr 1, 2008
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  7. JHL216
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    JHL216 New Member

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    Yeah, I think that's what I'm going to do.

    I just think that because they are manufacturing locally and are "eco-friendly" (the shoes are basically layers of fabric and thread) using no harsh solvents or glues. Wouldn't somebody want to write this at a decent price? All materials and manufacturing is in the US, I could see a problem if there were materials from china or something. Isn't there a special program somewhere for eco-friendly products?:arghh:
     
    JHL216, Apr 1, 2008
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  8. norcalinsurance
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    norcalinsurance Expert

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    I wish I could help you out Josephlee. This is a very interesting product to write. This is a complete shot in the dark, but have you tried Chubb? I'm not even sure if you need to be a Chubb agent to write the business, I don't know, just a thought.
     
  9. superfly33
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    superfly33 Super Genius

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    DJS,
    Try JE Brown. www.jebrown.com
    They do vacant homes but I'm unsure if they'll do vacant buildings.
     
  10. Chkndinner14
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    Chkndinner14 Super Genius

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    Regarding Vacant Bldgs.

    I don't know about CA, but USLI, a Berkshire Hath company has been great for me.

    You would need to find a surplus lines brokerage with this carrier.

    USLI.com

    They have a email address on the website to help you locate a wholesaler in your area.
     
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