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Chumps, with all due respect I think your "complaint ratio" comment is grossly unfair, and surprising to me from a veteran of your experience level.
The premiums are obviously high.
Are "high premiums" cause for a complaint to the Ohio Department of Insurance?
Maybe I should have worded my comment differently. The combination of high complaint ratios and VERY high premiums are two reasons I don't use them.
But in fairness, when their rates were decent a few years ago, I still rarely ever considered them. Other brokers in my office had problems with them and some just dropped them completely...even when their rates were good.