I handle property claims for out of state owners (I'm retained by carriers or law firms - usually not property owners) and this time of year it takes a long time to get property managers to contact me and set appointments. 

I know they are things like DSCR loans and the like which carrier higher interest rates me into my cash flow like I mentioned, the beginning of post cash flow is what I am going after now.  

Then I own in a semi-franchise model,  basically own the trucks and buy routes and employ drivers to fulfill the logistics; you can contract with fedex, amazon, any shipping carrier, and get a ton of business quick.

Your carrier must be trying to sell you some crazy policy.

actually gf knows a mail carrier in that area. 

It didn’t hurt that my carrier offered a 2 for cost of 1 new iPhone if I added a line.

I generally prefer to work with brokers who work with multiple carriers rather than those who are tied to one main company.

You have a legal obligation to inform your insurance carrier of any potential claims. 

@Ron Todd - we just changed carriers on insurance this past month too... 

An Independent Aduster handles the claim with the insurance carrier for you for a fee (normally a percentage of the claim).