Questions for State Farm Agents On House Liability

[scott17201]

Question on state farm home owners insurance. iIhave a prospect who has a lawn cutting business. He claims on his home owners policy the liabilty coverage on it will cover him for any liabilty he might have cutting other peoples lawns including a contract he has cutting grass for a cemetary. Is this true? My companies wont cover saying that he needs a business liability policy. His State Farm agent says his owners owners will cover this.

 

[Guest]

Its a business right, why would a PL policy cover a CL........

State farm agent is wrong.,

 

[scott17201]

Thats what i told him and hes claims he called his agent and he said hes covered.

 

[JimnTx]

He should try getting a Certficate of Insurance. LOL, then the State Farm AGENT would have it covered.

 

[Guest]

Thats what i told him and hes claims he called his agent and he said hes covered.

Tell him to have the SF agent put it in writing and point out in the policy in print.......

Now, It is possible, that if he was cutting the grass, FOR FREE, that the HO might cover it, but since he is charging people, I say no way, but I dont know the SF policy

 

[JimnTx]

If he has a claim, he's probably going to call you for advice on how to get them to pay. I guess his HO will also cover him for Work Comp too? LOL, and...if he does have a claim, then you'll be able to write him in an E&S market and for even more premium. On the other hand, if the truth be known, he knows he's running with no insurance and probably not paying taxes either.

 

[NCAgent]

The only thing I can think of with this is if the agent feels it is covered under incidental occupancy coverage within the home on the policy. Those are meant to cover things like sales and positions where you work from home (very office-like in duties) with no real inventory and no one is coming over to your home really.

I think the agent is a little mis-informed.

 

[Guest]

you know what this really is dont you?

It is a captive agent who has no options, doing whatever it will take to keep a client....

 

[GMANPRO]

I used to work for State Farm and it will NEVER extend to a CL issue like this. I also happen to know that SF's contracter liab is VERY overpriced and he is full of dung.

 

[tyjones]

Why even argue with someone like this? Sounds like he is a one man operation so you will never make any money off of him; and if he wants it covered under his ho policy then he will do whatever to scam the system. Don't waste your time