After BOBA’s policy review and a new round of insurance negotiations, premiums were reduced by $140,000 annually for only two of our transportation businesses. Insurance premiums, for my own personal assets (homes, cars, boats, rental properties, etc.), have been reduced by tens of thousands of dollars annually. I now have in place a sizable umbrella policy, which lists all personal assets – unlike the policy prior to BOBA that only covered assets insured by a specific insurer. We have saved many other businesses money in the form of a reduction in premium dollars as well as a reduction in risk by advising proper coverages – example is a multi-location business with a policy covering only 1 location – a situation unknown to the owner or manager. We offer health, auto, business, specialty lines, liability, and many others insurance lines.