My experience has been totally different than your comment. I found their underwriters to be smart and helpful. Yes, they did ask for loss runs.

I would encourage some form of compensation for new lines of coverage. IE: If there is a client that adds an auto, that in an endorsement. But what if your employee says, "Hey customer, as you add the new auto, it increases your liability exposure... have you ever considered adding an Umbrella?...

SECURA Specialty is hot with writing fitness clubs in WI, IL, MN, ND, IA, IN, MI, KY, AZ and CO. They kick the pants of the other carriers with coverage and price.

I agree that you are better off with a mobile website. You can easily have a way to save a favorite link on your phones main screen... hence giving it the appearance of being a mobile app. The big advantage of using a mobile website, is that all smart phones can use it. In other words, any customer ...

There are lots of potential gaps... Crime is one of them. I did not see you had Crime listed as a coverage they carry. But if they use lots of volunteers, I bet they also have lots of fundraisers. They need a Crime Policy, but one that includes Volunteers. Remember that Employee Dishonesty only cove...

I think that if a person is a volunteer, they are clearly volunteering their time. Additionally, they are also volunteering their well-being. In other words, I think its fine and dandy that volunteers are not included in Med Pay.