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For me to have a client named on my policy as a loss payee, it costs $100. So if someone wants to be named as a loss payee I add on $150 to cover my $100 direct cost plus my time to deal with it and go pay for it. When people hear that, they are usually satisfied just getting a copy of my...

Does your brain really think along those lines? I cannot believe how dishonest you are. :?

Brett, thanks for the tip on Westfield. It just so happens that I got my renewal notice for my truck policy this week, so I just sent an email to my agent asking him about Westfield.

When I tried to get my insurance through them, I was told that they would not cover my bucket truck so I ended up getting a policy through Progressive. On the business liability they were way out of line pricewise for a sole proprietorship.