Real carrier recommendations from independent insurance agents who have placed hard-to-place personal auto, exotic cars, and specialty vehicles in California.
These carriers are most frequently recommended by agents for placing hard-to-place personal auto, exotic cars, and specialty vehicles in California.
Real conversations from agents about placing hard-to-place personal auto, exotic cars, and specialty vehicles in California.
Question for State Farm - Ohio Our commercial auto client was in an accident with a State Farm client on 12/02/25. State Farm client was at fault party. State Farm deemed my insured's vehicle a total loss. Insured paid $442.00 at time of loss to have vehicle towed. Now State Farm is stating they...
reasonable towing costs are typically considered part of the loss. “But for” the accident, your insured wouldn’t have incurred that expense. I’d recommend resubmitting the tow bill and asking for a...
Fitch what say you?
Where can we insure an International 3800 (school bus) that has no rear seats? It is customized and used for pleasure only. The client wants auto liability only. Bristol and Kemper write commercial non-business policies, but not for buses. California
I think biberk stopped writing that product so if you’re locked in, it’s hard to beat the rates. At least in FL, not sure about CA
Have you tried any MGAs like AmWins or CRC?
What trucking carriers in Texas would take a tractor that is 26 years old and a reefer that is 12 years old? So far, I have quotes from Progressive and BHHC. Cover Whale declined because they do not...
Fellow agents, I need some advice. I'm in CA. I have a Travelers appointment through Smart Choice that is being terminated (just the personal lines portion) along with I'm told hundreds of other agents. I have about $100K in auto/home and some umbrellas. I don't have another standard carrier that...
Mercury is appointing
You should be lucky its now. Alot of agents including myself went through this several years ago. That's odd, cause SamrtChoice is a large aggregator essentailly.
Can anyone tell me more about Root auto insurance? Non-standard only? Rates? etc.
I have a client who moved to CA but needs an SR-22 non-owners in Virginia to remove the suspension on her license so she can transfer it to CA. Anyone willing to help her out? She's a Spanish speaker.
If you have Progressive, you can write her a policy in CA and file the SR22 for VA. Other companies may do it as well.
I can help your client with the SR-22. I speak Spanish DM
She can do it through Dairyland by calling them they have spanish speakers and she wouldn't have to go through a broker.
CA- PERSONALUMBRELLA MARKETS, client currently with personalumbrella.com but they now require 500/500/100 underlying auto limits, and he doesn't want to change his auto company. Any other Preferred markets you can suggest? I've tried G.A.s, Hudson IInsurance etc but they are very expensive. thanks
They are waiting until the heat dies down and then will quietly pass it. We have to keep fighting against it.
Cincinnati Insurance... How long does a customer have to pay before they get cancelled for non-payment? Policy was never paid or e-signed. 15 months later they accidently e-signed the original...
That doesn’t make sense. How can they sign the original application 15 months later? Everything would have timed out. No one can backdate 15 months.
Liberty Mutual people, I have a question. Auto insurance in California will follow the car and not the person, correct. Client was driving another person's car and was side swiped and the other car fled. He called to put a claim on his insurance, Liberty Mutual and they told him to file the claim...
My company is Eleven Eleven Cleaning Services and I’m available and would love to talk about project you are needing done. Send me a message!
Mine arrived today. I’m a 10.5 , ordered an 11. The size seems ok but the arch support feels like a hill and not aligned with my arches. Maybe u should try sizing down. I wish they made half sides
I bought one number less just because my feet are thin. They are perfect for me.
Who do you recommend for hard to place Auto in CA? Client declined from all of the main carriers. TIA
CA: I had a customer leave me a message complaining that the 15 mile limit on towing with Progressive isn't enough to even get them into town. Fair enough. What is your experience with other carriers, i.e what is the usual limit?
Commercial Auto California who are you placing commercial auto with, needs mcp65. Courier general freight. Please and thank you
Edit: The insured misspoke. The rejection email stated they need hired only. They already have scheduled and non-owned. RT Specialty has a monoline HNOA I'm going to check into. Commercial auto California. I have a fleet of 11 vehicles for a pest control company. The vehicles are pickups with pest...
Question for CA State Farm agents. I'm a Farmers agent and a customer of mine also has an auto policy with State Farm. He's insisting that State Farm will cover a vehicle for an additional 15 days after it's been removed from the policy to give him time to sell the car. I haven't heard of any...
Fellow agents, I need some advice. I'm in CA. I have a Travelers appointment through Smart Choice that is being terminated (just the personal lines portion) along with I'm told hundreds of other agents. I have about $100K in auto/home and some umbrellas. I don't have another standard carrier that...
We have an insured with a 1987 VW Van, he has made it into a 'motorhome' - he wants Replacement Cost, he has an apprasial. Progressive & Foremost will only do ACV, Hagerty wants it to be kept in a garage. Any other carrier ideas? We are in CA. Thanks!!
Any recommendation for a classic car company for a client with 3 comp claims in the bast 3 years. Hagerty, JC Taylor and Grundy said no. In CA
CA Here. Anyone here specialize in non-standard auto? I have a business client that has a 19 year old that needs insurance on his own car and Progressive at $3555 for 6 months is the only thing I can come up with. I was thinking Bristol West might be better and one of you might have them?
Based on agent discussions, carriers frequently mentioned for hard-to-place personal auto, exotic cars, and specialty vehicles in California include Progressive, Foremost, National General, State Farm, Travelers. Availability varies by specific risk details.
Many agents report difficulty placing hard-to-place personal auto, exotic cars, and specialty vehicles in California. Our database contains 17 discussions specifically about this niche in California, reflecting the ongoing challenges agents face finding willing carriers.
Independent agents in California recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 17 agent discussions below for specific carrier recommendations.
Question for State Farm - Ohio Our commercial auto client was in an accident with a State Farm client on 12/02/25. State Farm client was at fault party. State Farm deemed my insured's vehicle a total...