Ask to see his numbers. I believe they are listed per 100,000. 5 baler fires per 100,000 insured will have a rating of .00005. The agent has lists showing all losses and should be listed from highest to lowest, ask him to produce that information for you.
Keep in mind, you aint just calling his bluff, you are researching the company you are buying into. Remember, insurance is just shared loss with others plus profit/overhead to the mother company so if the pool of people you are getting into has radically higher loss rates, you might want to think twice about joining that pool.
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