Gota love your insurance guy.... unless

["J Barnes" <trishnjames@xxxxxxxxxxx>]

My insurance guy called today it went something like this.

GUY: Hi we need you to pay for an Additional Insured request or we will
terminate your coverage.

ME:   What Additional Insured Request

GUY: The one for "XYZ customer" you ordered back in August

ME: I didnt order anything for "XYZ customer" in August or ever, by the way
who is this "XYZ customer"

GUY: I have the notes right here "ABC contractor" orderd the additional
insured for "XYZ customer" to be added to your companies policy

ME:  So you just added it,  without calling me or getting authurization?

GUY: Well it was required by "ABC contractor"

ME: Then why didnt "ABC contractor" let me know I needed to order this? And
why didnt you bill me back in August?

GUY: Not Sure Ill Call you back

Guy Calls Back:

GUY:  I called "ABC contractor" he said you have a construction contract you
signed that requires the additional insurance.

ME: Fine.... but why do you add this to my policy without my approval or
knowledge?

GUY: You needed it and so you should just pay for it if you dont want your
insurance coverage to cancel.

ME:  Why dont you pay for it you added it without my approval.

GUY:  I am not going to pay for this.....you need to its onlly 125$ and if
you dont your insurance will cancel today.

ME:  Ok,  I guess I have no choice come by and pick up a check.  And in the
future dont add anything to my insurance without my knowledge or signature.

Guy: click

This is a scaled down version of my phone call but you all should get the
idea.  I am not sure what this guy was thinking but I dont think he should
be able to get away with this.  Is this even legal?  I guess ill be shopping
for a new insurance Guy.

James