I wasted a lot of time today trying to set up simple commercial liablity insurance for my new operation here in Florida. After 12 years with Nationwide in Atlanta they claimed I couldn't use the same agent here or get insurance through them. The agent I used for personal auto was terrible and mumbled something about them not issuing that coverage here. Which I knew wasn't true, but I can't MAKE them do it, can I? ( I can and will find another home and auto agent, though). Then I called another one agency at Nationwide and he acted like he was doing me a favor, wouldn't send me an application, wanted me to come in and fill one out (only a 30 minute drive from here) quoted "around $450" but wouldn't be more specific, kept claiming he THOUGHT he needed a Federal taxpayer ID #, even though I'm a sole proprieter and had insurance with them for a decade w/o one, etc, etc. So I told him I'd find it elsewhere, since he wanted me to send a check w/o even being able to answer any basic questions, such as oh....WHAT IS COVERED! Then a company I found here on lawnsite that specializes in insuring green industry folks called me back. The lady was nice, but said I didn't have a 3 year track record they require to insure people, nor sufficient gross revenues. Huh? So just charge me what you charge a guy for the minimum revenue, fools! And since when is 12 years with insurance in the identical business not a track record? A sole proprieter is a BETTER risk than someone with employees for obvious reasons, so why not insure us? I then called allstate, who proudly proclaim on their advertising that they offer business insurance, only to hear "we don't offer that" on the phone. Thankfully she referred me to another company where I got a voicemail. What is with these people? Does anybody actually want to make money selling insurance to us?