Regarding 'sweetie1859"s posting. SIAA certainly is one of the larger "cluster". The reason I did not join them is the charges they will hit you with should you need or want to break free from them. . . . . It's a great "pre-nup" for THEM ! ! ! Be sure to check that out BEFO...

I spent many years writing personal lines as a captive agent in Massachusetts. A few years ago I opened my own independent agency (also in Mass). My personal lines book is now just about a million in premium. Although I am licensed for Commercial Lines, I am not comfortable with the commercial side,...