Hired and Non-Owned Auto Endorsement

somehow someway they're gonna figure out that that employee was working on your behalf and so they're gonna litigate against you they're gonna litigate against your business rep because you are and whenever somebody is going to sue another person from experience talking to other businesses Jeff one of the things they do as soon as they find out that it was on business situation the numbers just got to true her going up the road they go for the big bucks the jugular on small business owners that they do span and basically you know they call that looking for deep pockets okay because the business typically has stronger insurance limits so one of the rules is to shop your insurance but don't shop at every single year you shop it every three years things have changed in our world so you want to stay on top of that and make sure you're not complacent your agent is is okay so why every three years yeah well instead of shopping it every year I look at our industry as a small town because you know you typically only have so many insurance companies out there that will in effect write a certain class of business so if I send your your risk to the marketplace every year because you're demanding it because you want the best price every year and you move every time on price if you do that and some people choose to operate that way yeah the problem is is when you're going to market then the insurance companies have seen your risk they're not feeling like they're gonna get your business they don't work very hard to earn it they go I can't tell you how many times in the 33 years I've been doing this where they say you know what we've seen this every year we're gonna pass we're gonna decline they flat-out will not open up that file pass the name of the