Man, I gotta share my experience with this insurance company. I've been getting E & O insurance for over 25 years, no claims ever. So, I signed up with this new company, thought I was getting a good deal. The first year, everything's cool, rate was fine. But then, outta nowhere, they hit me with a 50%+ increase the next year. I was like, what? No claims, no services, nothing had changed. Called them up to see what's going on, and they just said that was their planned rate hike. Felt like a total rip-off, honestly. Just not the kind of surprise you want from your insurance.