We have a complicated, multi-state insurance business that is difficult  to insure. In 2006, our old insurance company just dropped us just 30 days before all our policies were to expire. I found Cal-Nevada almost by accident, and in just a couple of weeks Terry Jarcik pieced together workers comp and liability coverage across 12 states. Since then, he has steadily worked to improve our coverage, to the point that I am convinced today that my insurance costs are lower than any of my competitors. Whenever we have had a claim, Cal-Nevada has always been there to make  sure our interests are protected.