If I could, I would give them a -5.
All those who praise this company in their reviews likely have never encountered a difficult situation with them. The company is comprised of irresponsible and unprofessional employees whose primary objective is to collect your money. In the event of any dispute or confusion, they will absolve themselves of responsibility and redirect you to the insurance provider. And guess what the insurance provider will tell you? That you are insured through a broker, and therefore all inquiries must be directed to the broker.
They also refuse to participate in a three-way conference call to resolve issues collaboratively.
Reaching anyone in a position of authority is practically impossible — everyone you can reach claims to be the highest authority available.
And don’t be misled by their responses here expressing regret and asking you to contact them to resolve the issue. Of course they write that — they’re not complete fools. But over the phone, when it's not a public forum, if you contact them with a problem, you’ll hear the same answer every time: “We can't help you. Please contact your insurance company.”
Therefore, think carefully before entering into any agreements through this broker.