F.U. State Farm Insurance. Join the delete list.
- Thread starter redtail
- Start date
Discrimination??
Acer-m14
20×102mm Vulcan
gotta love the Liberals / DEM's .. they wanted to pass laws making gun owners have insurance .. thanks Hogg for putting a stop to them laws ..
So we should require them to insure firearms business the same as forcing a private business from baking a cake for a gay wedding? Sorry not quite following. State Farm is pretty good for homeowners and auto policies. I tried to get policy from them for carpentry. Guess what, they don't do that either. Not there business. So be it.
libertysnake
.338 Win Mag
I've been shopping around recently, and Hiscox insurance is pretty good for liability insurance, for general and errors and omissions. I was looking at a few different places, and their rates seemed reasonable / they didn't perpetually harass me after the quote.
Came to around 1100-1200 for both general + errors and omissions. Might go up a little since I plan to expand that to around 2.5m in coverage, if possible, up from the 1mill for that quote. But only if each incident covers more than 1mill.
Since you're doing carpentry you'd probably be closer to 1500-2000 I think for 1mill in coverage I'd assume, since your general liability is higher than that of someone who works at home.
Also their customer service seemed a little nicer than the other places I had called, and I found it faster to get a person -- always a plus.
Yeah I'm right in same ball park I think Liability is $1M /$3M $1200 / year. Is Hiscox an insurance company or agent? Don't know why but I thought they were an agency for some reason. Anyway my only point is if an insurance company doesn't insure firearms manufacturers as part of their underwriting guidelines you really can't fault them for that. It's the same for everyone. There are plenty of other business that they don't insure as well.
libertysnake
.338 Win Mag
I think they're a company, but unsure. Amica, who I have for my home insurance, recommended me there which is how I stumbled upon them.
masterswimmer
.450/400 Nitro Ex
The issue as I'm interpreting it is that State Farm is currently insuring the FFL and is terminating the coverage effective June 26th. It appears their coverage is changing. Due to liberal/political pressure? Could be. Or not. Just very coincidental.
Sounds to me like an agent bound a new policy and it was subsequently rejected by underwriting but who knows...
masterswimmer
.450/400 Nitro Ex
Definitely sounds like conflicting statements. Terminating coverage sounds like it's in force. 'Requested in your application' sounds like a new policy app rejected by the underwriter.
Like you said, 'who knows'?
My guess is new policy bound by agent and rejected by home office underwriting. That and $2 will get you a ice cream cone, LOL...
masterswimmer
.450/400 Nitro Ex
What is good for the goose is good for the gander.
Dr. Evil
20×102mm Vulcan
"And like a good liberal gun hating neighbor, State Farm isn't there."
Eddie Gunks
.338 Win Mag
They do not insure a sporting goods business that have more than 10% gun sales. Too bad as SF is a good company for auto and home insurance. They pay when you need them.
They are good to the customer and shop owners for auto insurance. (I worked in an auto body shop for 20+ years. )
masterswimmer
.450/400 Nitro Ex
I've had SF for auto & home for 40 years. Never once had an issue. Commercial lines are a different animal.
Carlos Hathcock
.450/400 Nitro Ex
"We are assholes....bum bum bum bum bum bum bum."
Tinman
.308 Win
If anyone knew anything about State Farm, they would know that they do not insure any type of manufacturing. Has nothing to do with firearms. State Farm is a personal lines insurer not a commercial lines. The only commercial insurance that the sell is small office types, hair dressers and such low liability types. After reading the cancellation notice it seems like the agent wrote the policy trying to pickup the commission, and not even caring about the customer. He knew damn well that would be be canceled. I know this because my wife and have a State Farm agency. By the way State Farm insures firearms under the Homeowners policy.
Sneezy
6.5 Creedmoor
Yes they are a good company.
@thewheels
.308 Win
I do not have Statefarm, either way, I do not care who or what they insure. After reading this thread, I decided to take 30 seconds and do a quick search...
They do insure small businesses, but it looks like no manufacturing is included.
https://www.statefarm.com/small-bus...e/business-owners-policies/business-directory
They do insure small businesses, but it looks like no manufacturing is included.
https://www.statefarm.com/small-bus...e/business-owners-policies/business-directory
Tinman
.308 Win
That is what I said. State Farm does not insure manufacturing.
masterswimmer
.450/400 Nitro Ex
Gotta respect GOP for not saying, 'I heard it on the internet, it MUST be true'. At least he did some investigative 'journalism'.
Dinkus the Stinkus
.44 mag
Manufacturing is kind of an important sector not sure why a company would choose to not insure it. Too much risk for injury?
masterswimmer
.450/400 Nitro Ex
Specialty sector. My son is a Marketing Rep for a moderate sized commercial insurer. Even they have commercial sectors they price themselves out of the market because they don't want the exposure. Those sectors will change on a year to year basis based on the number of new businesses written and losses due to claims.