In my area the agent not the ins company has been pro active. I was approached last spring by an agency head that passed my lot getting a hair cut nearby. He was impressed with my equipment. He spoke with me for a while (an interview I assume) and then offered me substantial savings on my liability and bus vehicles. He showed me about 20 tree companies he insured in Cinci area and what they paid and what they pay with him. Huge savings. He said I could call them and I took him at his word. I asked if I would get nailed the second year after I dropped my friend (insur. friend is a friend to everyone
) and his agency. He is just insuring high quality tree companies. "You'd be amazed at how low a risk these companies are for a claim" he said.
He is buying policies for us in bulk.
I saved about 15k$ last year.