[TheForge] insurance

[CGRAF]

John Allen wrote:
> Yesterday I recieved a certified letter from my insurance company.
> 
> " The reason for nonrenewal is your operations no longer meet The Hartford's
> Small Commercial business segment's underwritting guidelines [because of
> exposures from auto part and stair railing manufacturing."]
> [ indicates highlighted parts]
> 
> Now on my web site I built a custom tailgate for my personal truck and I
> drive that to places for estimates. It looks awesome and helps with people
> seeing my skill level not my age of 27 (I really look like I am about 20).
> The insurance company dosen't want to hear it. I tell them that I don't do
> automobile customizing because a real custom tailgate is way out of the
> league for most customers and people who would buy them don't have trucks.
> 
> John Allen
> Country Metals, LLC
> (856) 542-4316 (cell)
> (856) 504-0087 (fax)


  That is just an excuse on their part.
I have an overhead door on a loading dock that is not used during the 
winter.
It leaks like a sieve so I made some panels that close it up after the 
last Fall delivery.
  I had my insurance canceled once because of "building condition" 
citing the " boarded up" "window".
  Jerks

Went and bought a policy from a competitor for about 20% less for better 
coverage.
  My agent told me that the old company had a profile that said after so 
many years with no claim they were due for a big one so that insurance 
company  routinely cancels longstanding policies.

Makes no sense to me at all. When I have a longstanding customer who no 
longer asks me the price before telling me to go ahead , I do my best 
not to piss them off. I certainly would never think of refusing their 
custom just because after 15 years without a complaint they were due to 
make one.


Mike Graf