I actually did purchase the "Coverage" from United DEFENDCO, or IWorld Financial Group. After receiving the policy jacket today I became a little unsure of the coverage and started a little research. The DFS stated that they are listed as a potential non licensed in agency in Florida, not good. I wrote to them this is the response. "iWorld Financial Group are regulated by all state and federal laws for stringent regulations and requirements regarding reputation, integrity, and proper business practices. This dictates the states in which we can operate in, as they vary from state to state. We are not required to be regulated or appointed with the DOI as we are a privately owned and operated Risk-Sharing Pool with a General Reserve Fund." So it seems like I may go for the refund. I have not contacted any carriers about the appointments. I will do tomorrow. I have several years of Underwriting P&C if anyone has any other options for me to consider in the State of Florida I would appreciate the feedback. Please contact me if anyone needs more info and if you do have any other options would be greatly appreciated.