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Hi Jom, I also have a referral for you. His name is Byron McPherson from Reliance Partners. He did my business insurance for me and got me an incredible deal (about 30% lower premium than the closest option). I have referred at least half a dozen others to him, all of whom have been happy with...

Hi Jom, you really should use a (good) broker for your insurance. Much the same as it's best to use a mortgage broker for your loans. Your premiums will not be higher than had you done it yourself and a good broker will get you a policy that is suitable for your situation.