This is a good insurance company if you are looking for cheap. I was and found them to be the ones with the lowest rates. They are locally owned. The owner is up to date on insurance companies and very helpful. Unfortunately he can't handle all the business himself and has hired a crew of people who don't seem very well trained. I had problems with my first agent and was given to someone more "experienced". He was not much better and I wasted a lot of time going back and forth trying to determine what was best for my business. I can't say I would use them again. My business has grown and I can afford better. But for the very budget conscious this is not a bad option.