That is what you save as a MINIMUM value if you switch your insurance to Cossio Insurance Agency! We save you a minimum of $400. Take that savings and buy 14 cases of Procaps paint at $28 as an example. Retail those 14 cases at $55 and your $400 turns into $364 extra profit! So just by switching you put a minimum of $764 to your bottom line!!! This is if we only save you $400, what if it is more? (Any paint manufacturer will do, don't get mad guys, just an example)

I have a solution, call our office our staff will complete the application for you, it takes 7 minutes. 864-688-0121

There are several reasons to switch insurance companies now. Let's name a few.

No other explanation needed, you are "fee'd" to death with those associations for nothing.

There are too many 10 year old birthday parties where the 8 or 9 year old brother is dying to play, yet he is forced to watch everyone else play from behind the netting. As the field owner, you have the option on ages to allow on your field without exclusions to come out and bite you. If you have concerns on younger players, call me for ideas on how we made it safer for the younger kids.

There are hundreds of thousands of barrel plugs out there, how can you not allow someone with a barrel plug on your field? Is the barrel condom safer? Yes, is it the only safety device, no. Now don't get me wrong, I developed the barrel condom and I NEVER made it mandatory for insurance, but look at who did...

If you are a promoter, or if you have scenario games, the latest news from the competition is if you allow tanks on your field, they can not insure you any longer. We do not have that issue. What we can offer is a policy for tank owners and can provide additional coverage for field owners.

The insurance code states that you MUST be licensed in every state to transact insurance. This means if you discuss coverages or premiums, you must be licensed for that line of insurance. If the agent transacts in that state without a license, fines are from $1500-5000 per transaction. At least one of the competition has been fined for selling insurance without correct licenses and that association paid her fines, but they are back to doing the same. Seems like you would want your insurance agent to have a license, not just a driver's license.

Now the competition has attempted to cloud the issue with some correct information but mostly forgetting the cold hard facts.

Fact: An admitted carrier follows guidelines set forth by the Department of Insurance of that state. The insurance company files their rates and underwriting guidelines with the DOI and has to have them approved prior to issuing a policy. Admitted carriers are protected by the states individual Insurance Guarantee Fund. Claims that occurred before the carrier goes bankrupt can be paid up to $500,000.

Fact: A non-admitted carrier provides coverages for risks that an admitted carrier may not want to insure. The non-admitted carrier does not have to file their rates and underwriting guidelines with each individual state, they retain the ability and flexibility to price risks according to their specific exposures. They are not admitted but are licensed to write surplus lines risks in these states.

The MOST important fact: Some of the largest insurance companies Harford Insurance, AIG and Lloyds of London have non-admitted companies that they use for specialty risks. Regardless of whether a carrier is admitted or non-admitted, the best gauge for determining th security of one's policy is to check the financial rating of the company. The industry standard for rating insurance companies is AM Best Company (www.ambest.com). AM Best rates a carrier on their financial strength and size based on policyholder reserves. Such ratings are seen as A++, A+ which indicates Superior and Secure.

All of the carriers we represent carry these ratings. So the bottom line is, our carriers have more financial strength than the competition if you just compare the numbers. The company you currently have is an awesome one and financially secure. No worries, and none with our carriers.

Now with all this disclosure, I have been threatened by the competition to be sued. Not happening boys, just some bad letter writing by uninformed people. I do not lie. I only present the facts, and sometimes that hurts. But you should know who you are dealing with and that they are ethical and follow the ethics that they supposedly are supposed to be licensed to do. Maybe if you do not have a license you do not have to follow any rules...

Now until this information on association dues and pricing had been released by my office, you the field owners have paid these dues just because you were told that you had to. Not one of you ever knew that Apl and Nsera were charging you association dues to access "their" program. Not one of you ever knew that there was already an association with MIC that was charging association dues already for that same program. So you are paying to join two associations. I am not sure that that is legal.

I have had several phone calls from these association members stating that they feel that they have been "ripped off" for the last 5 years and that they believe that a class action suit be brought against these so called associations. Now the numbers, gotta love the numbers. Approximately 800 insured fields x $300 dues = $240,000 in association dues per year. Multiply this by 5 years and you have $1,200,000 in dues collected. That is not including the application fees etc. That is not including the commissions paid without correct licenses. Now if I was an attorney, and I am not, if I took this case on contingency and got 33% of this take I would make approximately $396,000 for about 12 months work. Field owners would get back their dues which would be at least $1500. That is better than most tax returns... hmmmmm Does anybody have an attorney in the family? I know where the data is...

Voting day is 3/1/2008. Send a message to these so called associations. Tell them enough is enough. Tell them that you are tired of lining their pockets. Tell them you are letting your money talk. Switch your insurance to CIA. You will be glad you did. So will your bottom line...

Larry Cossio
Just a licensed insurance broker

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