Hi,. Mary,
Glad to hear that your experience with Premier is good- such was not the case with us. I am aware of Premier's current policy, as we keep it on file, just as we have current policies from many other companies on file. It's a great tool to better understand the market.
If you're going to put info out, you'll want to ensure it is correct. We terminated our appointment with Premier after many discussions with Troy- we never lost our appointment. As you were not privy to those conversations, you have nothing factual to say. If you were given info about our confidential relationship with Premier (the same one you enjoy), then we will be having further discussions of a legal nature.
THere is only one way to read a policy- as it stands. It is a legal document that defines the duties and responsibilities of each party privy to said contract. The agent or agency cannot interpret the policy in any other way, unless that agent/agency is ready to deal with an E&O issue. Interpretations, if any are left to the courts and lawyers.
Please note that my comments are that of my opinion, and not an attack on you:
"Respectfully, I cannot agree. ALT Insurance primarily represents Premier Insurance, a company bused in Vancouver, BC, and underwritten by Lloyds of London.
The Premier policy covers you for any “external” cause of loss subject to the exclusions vs. the any other marine insurance insurer that will pay any loss subject to the exclusions. The word “external” in the policy is a major loophole and we’ve seen many claims denied because the insured could not show that the cause was external (originating outside the vessel).
Just because an insurance company writes a large number of a brand of boat doesn't mean too much when the policy is pretty weak."
It is my opinion- if one chooses to write a policy with you, good on you. But, as I've stated for years on the many forums I'm involved in (as a boater and not an advertiser)- the client is strongly advised to read the policy to gain understanding of what it contains, and the agent should be able to explain the policy language so said client can understand it.
I think you may want to check the forum rules and with moderators with regards to your unsubtle advertising in your post...