Rick -- that's no good. But I don't think the problem is with Lexington so much as it's with your broker. And unless you're getting a bunch of additional coverages along with your policy, you're getting killed on those rates.

Food for thought - 500,000/500,000 policy limit, $1,000 deductible. $3195/year. Arguably the strongest policy in the industry through FREA.

Call me if you want to discuss any more.