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"Today’s dramatic breadth of coverage represents what we believe to be the high-water mark. Policies available today are the broadest ever, and are available at prices that will probably never be this low again. The pick and choose menu style offered by many carriers gives the agent the ability to craft the coverage that meets their clients’ needs in a very precise manner, making this insurance product a true 'Risk Management' tool."— Bill Pritchard, President & CEO of Beacon Hill Associates, Inc.