A homeowner’s insurance was cancelled after they had a five-figure claim. Other agents that they approached were unable to find replacement coverage for them. The homeowner’s mortgage company then stepped in and provided insurance, but at a punitive rate. The homeowner approached Johnsonese, and we went to a specialty insurance source called the “excess & surplus” (E&S) market. Some agents avoid this market—there is more paperwork required and agent commissions can be lower. We obtained an E&S policy for our client at substantial cost savings.

An extended family inherited their matriarch’s home. When they attempted to list the home for sale, they discovered that Homeowners insurance on the property had lapsed. Realtors typically will not list uninsured properties. The family had difficulty getting replacement Homeowner’s insurance because the property had been vacant for some time and was in disrepair. We obtained a Vacant Building policy for our client that allowed them to list and sell the property.

An existing business owner client wanted to purchase Long Term Disability for himself. We discovered that the client’s personal medical history made him ineligible for an individual disability policy. Thinking creatively, we recommended a Group Disability plan for his business. Group plans are not limited by an individual participant’s medical history. Our client received the coverage that he wanted, and as a bonus, his employees received a new benefit.