Hearthlist Digest #160 - Saturday, June 27, 1998
 
re: insurance
  by "Noel Gilmore" <[email protected]>
 

(back)
Subject: re: insurance
From: Noel Gilmore <[email protected]>
Date: Thu, 25 Jun 1998 18:54:31 -0500
 
>I am curious as to what insurance companies others on this list have had
>good dealings with them.  We are currently under a policy (several
>differnt policies really) written by Travelers Property Casualty.  I
>feel I am being charged way to much for my insurance.  Are there any
>insurance companies that specialize in the hearth proffesions?  We are a
>limited liability corporation (legal BS) and I think that this means we
>have to carry different insurance policies than a sole-proprietorship.
 
 
We are a corporation...never realized that would make a difference.
Anyway,The Maryland insures our business...we are primarily a
construction-related business, as fireplaces in new construction are our
base. We also have a retail store.  Originally we were insured by Hanover.
One year I made the mistake of inquiring as to rates for coverage if we got
our LP gas license. The following renewal they cancelled me...cancelled me
for ASKING! Admittedly I had a moron for an insurance agent, and this was
the year after Hurricane Andrew (we're in Florida) and all insurers were
looking to dump any excess risk. When I switched agents, she told me the
only other company that would cover us with similar rates as Hanover was
The Maryland.
 
Noel Gilmore
Autumn Moon Fireplaces
Port St. Lucie, FL