When evaluating proposals make sure you understand the real costs. Insurance Company ‘A’ with a strong cash surplus position, high ratings, and a track record of underwriting profit will operate much differently than Company ‘B’ that lacks these factors. Company ‘A’ will extend quality coverage; provide services to agents and clients; and commit themselves to the client’s industry. Company ‘B’ will reduce coverage, eliminate services and reduce commitment to the client’s industry. Lower premiums from Company ‘B’ seldom result in lower costs over a three-year period. And if ‘B’s proposal lacks a plan to assist in reducing accidents, improving employment practices, and furthering your financial success, it is never the low price option.