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Yikes as an insured that would suck as an agency owner could be nice. My guess there is a lot of shopping around in Michigan
it's nice for an agency owner if he/she has the right carriers. problem is that most carriers stay the hell away from MI!
for example, two of my major auto carriers have no problem with insuring my business in 5 of the 6 states that I work in, but they tell me Michigan is off limits.