Can't speak directly for agri-business insurance but we use an independent insurance agency for home and cars. I have an assigned rep at the agency who will return my calls or emails within an hour, if not sooner. She shops for the best policies at renewal time. In fact, we just paid our homeowner's renewal premium when she emailed that she had been checking on it and could save us $700 by switching carriers. Even though we paid the premium already, she took care of cancelling the old policy, handling the full refund and writing the new one. Wife was in a car accident lately and the other insurance company was hounding us to file a claim (no damage to our car). Our rep said "don't file a claim", called the other insurance guy, handled it all and it didn't cost us a nickel and no claim was filed against our policy.
I chuckle at all the advertising from the big companies about saving money and customer service. I don't need them, I've got Pat!
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Today's Featured Article - The Nuts and Bolts of Fasteners - Part 2 - by Curtis Von Fange. In our previous article we discussed capscrews, bolts, and nuts along with their relative hardness and thread sizes. In this segment we will finish up on our fasteners and then work with ways to keep them from loosening up in the field. Capscrews, bolts and nuts are not the only means of holding two parts together. When dealing with thinner metals like sheet tin, a long bolt and
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