Most of my insurance needs both personal and business including liability is with State Farm. I was with Prudential but State Farm was able to cut my over all Insurance cost nealy in half. I need Workman's comp. right now and SF doesn't want to write it for me because I haven't ever had it. So I'm looking around for some one who will. I'm trying an independent insurance broker now but haven't had any luck yet. How can they reguire you to have somthing by law thats so hard to get?