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the insurance is both personal and for my business. They have been extremely competitive and I have changed every policy I have over in the last year. The policies are written by a broker that is very competent and professional. They ensure that the policies they write are legitimate and suggest policy changes to keep you from being underinsured.
Paying the invoices on-line is also a big bonus. There is no charge for this service and it posts to your account the same day. This helps on the cash flow side as I can pay the day it is due.