
| Have you been unable to get paid because your agent has been late filling a certificate of insurance? |

| Have you ever taken the time to educate your agent about certain parts of your business that he (she) should know about before you can get advice? |

| Do you get your policies through the mail and try to sort them out yourself, turning into a disorganized mess on your hands? |

| When you have a claim, do you feel like you are suddenly at the mercy of some arrogant claims adjuster and do not get the help that you need from your agent? |

| When your agent recommends a new coverage, do you wonder if you are part of a sales contest to Jamaica? |

| When it comes to audits, classifications and experience modifiers, do you feel that your agent does not know how to help you? |

| Do you have to use more than one agent for all of your coverage and protection needs(ie: independent loss control, management claims reports)? |