Re: Gota love your insurance guy.... unless

["Bob Worthy" <securinc@xxxxxxxxxxxxx>]

"Doug L" <vssdoug@xxxxxxx> wrote in message
news:fMUPf.8154$z82.5860@xxxxxxxxxxxxx
> In my opinion the issue of who pays the $125 would not be my main concern,

It should be part of your policy anyway. I have never paid extra for an
"additional insured" certificate.

> the real concern of mine would be having an additional insured on my
policy
> especially a general contractor and one that I didn't authorize.

Also, anytime you are asked for an "additional insured" certificate, on the
certificate, limit your liability to only the exact function you are
performing for the contractor, the exact address you are
working on and the start and completion date. Don't give them a certificate,
as additionally insured, simply showing you (and now they) have liability
insurance from 1/1 thru 12/31 through your provider. You could find yourself
defending something that happened when you were not even on the job at the
time of occurance, the problem had nothing to do with your work, or happened
on one of their jobs you had nothing to do with. Naturally, a judge would
kick it out, if this were the case, but who needs the hassle and any cost
involved. Your insurance company would provide the defense, but you would
pay for it in the long run.

>
> "J Barnes" <trishnjames@xxxxxxxxxxx> wrote in message
> news:rNidndeKRYdiL5LZ4p2dnA@xxxxxxxxxxxxxx
> > 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
> >
> >
>
>