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RE: Harvest Small Business Finance, LLC - Load Karma, Inc. - Haven9377, LLC - 40002747 - Cancelled Insurance
AI verdict
vendor
high
· confidence: high
· by haiku
“Insurance renewal request for Load Karma properties; condo policy expired, force-place threatened.”
Reasoning: Business insurance vendor requiring urgent action on expired policies for Load Karma Inc. and Haven9377 LLC to prevent forced placement; [email protected] is CC'd indicating this is a KanexPro/portfolio matter.
Hi Dori,
My apologies for keeping you on the email thread. I noted in the email what you had mentioned in our conversation.
Thank you again.
Nicholas Houck
Insurance Analyst
Phone: (949) 464-4775
eFax: (949) 607-1665
24422 Avenida De La Carlota, Suite 400
Laguna Hills, CA 92653
[email protected]<mailto:[email protected]>
www.harvestsbf.com<http://www.harvestsbf.com/>
[1578675831855]
The content of this email is confidential and intended for the recipient specified in message only. It is strictly forbidden to share any part of this message with any third party, without a written consent of the sender. If you received this message by mistake, please reply to this message and follow with its deletion, so that we can ensure such a mistake does not occur in the future.
From: DORI FERRANTO <[email protected]>
Sent: Friday, October 2, 2026 11:23 AM
To: [email protected]
Cc: [email protected]; [email protected]; Santo Ferranto <[email protected]>
Subject: Re: Harvest Small Business Finance, LLC - Load Karma, Inc. - Haven9377, LLC - 40002747 - Cancelled Insurance
Hello,
Per my conversation earlier today with your representative, the policy was not renewed with our agency.
Thank you!
Dori Ferranto
(909) 292-6174<tel:(909)%20292-6174>
CA License# 0790809
Ferranto Fields Insurance Services, Corp.
123 E 9th Street, Unit 102C
Upland, CA 91786
CA License# 6009861
On Fri, Oct 2, 2026 at 10:00 AM [email protected]<mailto:[email protected]> <[email protected]<mailto:[email protected]>> wrote:
Hello,
I am requesting a copy of the renewed condo interior, general liability and workers’ compensation certificates. The policies we have on file expired 7/25/2026 and 7/30/2026. I have attached a copy of the expired certificates for your reference.
Please include a copy of the Mortgagee endorsement with the Mortgage holder or Lender's Loss Payable endorsement that includes the 10-Day cancellation (or greater) notification.
Your previous agent Dori had just informed me that they no longer handle your insurance. Please forward your new agents contact information or renewed insurance policies.
The condo interior policy will be force placed as it is more than two months past expiration. Please see the attached signed insurance agreement for your reference.
Co-insurance is PROHIBITED
Please forward as soon as possible to avoid coverage being placed on the insured’s behalf.
Please let me know if you have any questions. Thank you so much for your time and help on this request.
Nicholas Houck
Insurance Analyst
Phone: (949) 464-4775<tel:(949)%20464-4775>
eFax: (949) 607-1665<tel:(949)%20607-1665>
24422 Avenida De La Carlota, <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.google.com_maps_search_24422-2BAvenida-2BDe-2BLa-2BCarlota-2C-250D-250A-2BSuite-2B400-2B-250D-250A-2BLaguna-2BHills-2C-2BCA-2B92653-3Fentry-3Dgmail-26source-3Dg&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=D7I5gpDHQ7vgkV27XX07A0YxwXR1cUJ-ZOR3EZypFqg&e=> Suite 400<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.google.com_maps_search_24422-2BAvenida-2BDe-2BLa-2BCarlota-2C-250D-250A-2BSuite-2B400-2B-250D-250A-2BLaguna-2BHills-2C-2BCA-2B92653-3Fentry-3Dgmail-26source-3Dg&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=D7I5gpDHQ7vgkV27XX07A0YxwXR1cUJ-ZOR3EZypFqg&e=>
Laguna Hills, CA 92653<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.google.com_maps_search_24422-2BAvenida-2BDe-2BLa-2BCarlota-2C-250D-250A-2BSuite-2B400-2B-250D-250A-2BLaguna-2BHills-2C-2BCA-2B92653-3Fentry-3Dgmail-26source-3Dg&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=D7I5gpDHQ7vgkV27XX07A0YxwXR1cUJ-ZOR3EZypFqg&e=>
[email protected]<mailto:[email protected]>
www.harvestsbf.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.harvestsbf.com_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=_xeY6gh4YCtrIL6fOI2r5IGlwA5MCLevlUqmZBb_y3I&e=>
[1578675831855]
The content of this email is confidential and intended for the recipient specified in message only. It is strictly forbidden to share any part of this message with any third party, without a written consent of the sender. If you received this message by mistake, please reply to this message and follow with its deletion, so that we can ensure such a mistake does not occur in the future.
From: [email protected]<mailto:[email protected]>
Sent: Monday, June 22, 2026 10:52 AM
To: [email protected]<mailto:[email protected]>
Subject: Harvest Small Business Finance, LLC - 40002747 - 30 Day Insurance Renewal Notice
Hello,
This is a friendly reminder email to inform you that the following insurance policies are expiring in 30 days:
Workers’ Compensation – Load Karma, Inc. - Expires: 7/25/2026
General Liability – Load Karma, Inc. - Expires: 7/30/2026
Condo Interior – Haven9377, LLC - Expires: 7/30/2026
General Liability – Haven9377, LLC - Expires: 7/30/2026
Please forward your current policies by the date of expiration to [email protected]<mailto:[email protected]> to avoid coverage being placed on your behalf.
If you have already sent your renewed policies, please disregard this letter and accept our apologies for any inconvenience this may have caused.
Thank you for choosing Harvest. We look forward to serving you for years to come.
Nicholas Houck
Insurance Analyst
Phone: (949) 464-4775<tel:(949)%20464-4775>
eFax: (949) 607-1665<tel:(949)%20607-1665>
24422 Avenida De La Carlota, <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.google.com_maps_search_24422-2BAvenida-2BDe-2BLa-2BCarlota-2C-250D-250A-2BSuite-2B400-2B-250D-250A-2BLaguna-2BHills-2C-2BCA-2B92653-3Fentry-3Dgmail-26source-3Dg&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=D7I5gpDHQ7vgkV27XX07A0YxwXR1cUJ-ZOR3EZypFqg&e=> Suite 400<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.google.com_maps_search_24422-2BAvenida-2BDe-2BLa-2BCarlota-2C-250D-250A-2BSuite-2B400-2B-250D-250A-2BLaguna-2BHills-2C-2BCA-2B92653-3Fentry-3Dgmail-26source-3Dg&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=D7I5gpDHQ7vgkV27XX07A0YxwXR1cUJ-ZOR3EZypFqg&e=>
Laguna Hills, CA 92653<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.google.com_maps_search_24422-2BAvenida-2BDe-2BLa-2BCarlota-2C-250D-250A-2BSuite-2B400-2B-250D-250A-2BLaguna-2BHills-2C-2BCA-2B92653-3Fentry-3Dgmail-26source-3Dg&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=D7I5gpDHQ7vgkV27XX07A0YxwXR1cUJ-ZOR3EZypFqg&e=>
[email protected]<mailto:[email protected]>
www.harvestsbf.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.harvestsbf.com_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=Zh7h0c_pdYXowO4V_7cmBOFnCVzM1PN0WrKfo12wTIM&m=XR65AmktzP4N_IPYbHDa1ouA57ilm0S_4hzdoiRg0lx5e1WXmPnqjumYchQnJIX2&s=_xeY6gh4YCtrIL6fOI2r5IGlwA5MCLevlUqmZBb_y3I&e=>
[1578675831855]
The content of this email is confidential and intended for the recipient specified in message only. It is strictly forbidden to share any part of this message with any third party, without a written consent of the sender. If you received this message by mistake, please reply to this message and follow with its deletion, so that we can ensure such a mistake does not occur in the future.