Gil Stuart

Top Sarge - Staying with the same company for many years really counts as no credit for reduced premium at the end of each policy year. Matter of fact in Most Professional Liability the rates can increase over the 1st 5 years due to the policy reaching "maturity" this hold most true to Claims Made type insurance forms. If you carry an Occurrence Form the cost will vary based purely upon what your bottom line is coming up to... Loyalty to one company may not save you money - I agree with that but having a solid long standing relationship at least gets you some understanding when the chips start flying in a claim or a possible problem... There are indeed many factors that affect the bottom line which I can tell will get discussed in our running discussions. How you the inspector manages the factors is the key. Regarding the point of "to cite or not to cite" my reply is measure and confirm a thousand times before you open your mouth...it was once said that even a fool if he keeps his mouth shut is considered wise... Not implying anyone is foolish just to be silent when you don't know the facts...if you do know the fact are true then you have license to talk all day...Respectfully of course! Respects, Gil