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There isn't going to be a company out there that can offer you a rate that you think is low enough is my guess. They're all going to have a premium requirement. They all have to pay out claims.
Find yourself a large independent agent or two and they'll shop it for you and hopefully the agent is good enough to find all of the discounts you qualify for.
No I meant premium requirements for my production I mean. I am not focusing on NJ market but need a carrier to write it when it comes along
BS. They are the worst. They stress out every agent I know of. Stay awayAmerican Strategic ASI