Coldwell Banker Conroy, Marable & Holleman Working with the PBI Group on my E&O insurance was a pleasure indeed. We learned on short notice in the middle of December that the previous provider of our E & O Insurance was increasing the cost of such insurance by almost 18 - 20% and the deductible offered by the firm went from $2500 to $10,000 per claim. Since we weren't expecting such a major change in cost with the renewal deadline staring us in the face...we contacted several other firms to inquire about E&O Coverage for our firm. After several calls and finding that most firms were also only offering E&O with a very high deductible per claim with no first line of defense period. We contacted the PBI Group and found to our amazement, that their coverage was what we had basically had for years... a $2500 deductible with an offer of first dollar defense in the policy. With a quick application being submitted with our previous loss runs, we were quickly informed that we could obtain all of the coverage we were looking for at a reasonable price. We opted for this policy with the PBI Group and informed them that we would need to insure our coverage no later than 26 December 2012 to comply with one of the two states where we operate; with the deadline for the other state by 31 December 2012. The policy was quickly generated for our review and documentation Certificates were sent by the PBI Group for both States allowing us to meet all of our requirements in a timely manner. In addition to that, PBI sent Certificates of Coverage to our Franchisor which is a requirement of our franchise agreement as well. PBI service was absolutely the best service we have ever experienced in dealing with E&O Insurance Firms from the product, the cost, and the manner in which all were handled for us. The firm, in our opinion, has no equal in the business! We have been in the Real Estate Business since 1869, the PBI Group will be our carrier from this point forward. We give our unqualified recommendations to any Real Estate Firm who is seeking a firm to handle their E & O Insurance business.