Condog
Member
I'm shopping for an insurance policy. I'd appreciate any and all advice on a good insurance company. And
Don't be a grumpy idiot, be a happy oneWhiney baby
You're probably their dream client.My coverage right now is American Family insurance. I'm probably gonna switch providers beginning of next year from my last conversation I had with them. Their general liability coverage will pay for the broken $10k vase that gets knocked over BUT WON'T PAY for a clumsy technician accidentally using the (for example) wrong chemical that would bleach the $10k rug. And they put my businesss under a Janitorial store with my workman's comp policy and won't change it to a service business. They just told me over the phone that I'd be covered, but won't put anything on paper.
They're the cheapest, but I think they're the worst. I'll be talking to another insurance provider next month
thats common with most insurance, they cover accidents not poor workmanship.Their general liability coverage will pay for the broken $10k vase that gets knocked over BUT WON'T PAY for a clumsy technician accidentally using the (for example) wrong chemical that would bleach the $10k rug.
Mike have you tried for a group discount for firm members?
I don't know if it's possible, if you could that would be a coup for all of us
Well, maybe then we can get Marty's agent. Afterall, after dealing with Marty, we would all be dream clientsI actually like my insurance agentand I value the fact that there is staff there that will answer my calls during business hours and get commercial clients the insurance paperwork they need within minutes and I would never dream of subjecting them to Marty
I have talked with Country (Farm Bureau's local company in Phoenix) and Nationwide both offer a blanket umbrella policy that states all commercial work my company does is covered. No need to have another company added. They said companies accept this and it makes it easier on contractors and service companies.I use Farmers and pay $198 per month for $1mil occurrence and $2mil aggregate. As much as I bitch internally to myself about insurance, I love being able to call them and say, "send so and so my liability and put them on my policy as additionally insured." It usually gets done within the hour. I know i'm not getting the best deal but having a local guy I can work with and the good customer service is what keeps me there.