How about production requirements with Erie?
I actually write through an agency as a 1099 guy so I'm not sure what their production requirements are but I do know that Erie will do just about whatever it takes to earn the business they want. If it's one of their niche markets it's pretty much over for the incumbent agent because they will give whatever credits that are necessary.
They are starting to harden up a little now on their credits.
I am proud to tell people I write for Erie. They are a great company.