our subdivision had used them several years ago for insurance, but I was told they had thrown away our file when the trustee did not pay the bill one year (2006). I called back (Spring 2009) and they had no history. As soon as I mentioned I wanted to get a quote, but was shopping with other insurance agencies I was told to just go with the other guy b/c they had much more important business than what we would bring in to them.
So, in summary if you're big-time maybe consider them, but realize they're into you b/c they see you for big, easy profits, not b/c they care about your business.
Pros: none
Cons: Customer service, record-keeping, responsiveness
more