www.specialtyinsuranceagency.com/p...ml

:)

As of 2009,
Specialty- $4M (maybe $3M) coverage, costs a little more. Very speedy service. If you catch them in the office, same day service is available.
AFA - $2M coverage (ie. adequate) for a little less. However, same day service is not available, speedy service is rare except for "additional insured" certificates.

In short, if you have a month to wait for a certificate, go with AFA and save some cash on acceptable insurance. The extra coverage you get with Speciality is above what you'll need liability insurance for most of the time: getting jobs; which usually require only $2M. However, if you need it this week, Specialty is still a little more together with the paperwork.

I have had a lot of trouble getting answers from American Fire Artists to simple inquiries like if they offer a reduced rate at the 6-month mark (like Specialty does - they offer a reduced rate when the policy hits the point where this is only 6 months left until it expires, i.e. in October, i.e. right now), confirming their coverage area (we're in Canada) & if the group-order discount offer (a percentage off for multiple policies purchased with a single order/payment) is still valid. Sent multiple messages, never heard a peep. Guess they did not want our business.