I'd personally recommend going to a local independent insurance agency. I don't have a concession business, but I do have a business and having a good insurance guy is one of the big three. Have a good insurance guy, a good banker, and a good lawyer. I use a local guy with an agency that has been around a long time. He has helped me save money on insurance for years. If the rates go up he can quickly look at the other rates and find me a better deal. It is also really nice to know the people at the agency and know I can deal with them instead of some corperate type on the phone.
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The beatings will continue until morale improves!
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