Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be getting much for what you pay.

I am so glad I will be moving to a different company today. All my family members had moved after we had a flood. They are the worst company ever. All the insurance companies in my area got their claim approved except the people that had Berkshire guard. They are the most nastiest disgusting insurance company. This is other than the customer service. They never call you back. Please do not get yourself into this company. I had a policy for flood and sweet backup. And I still got denied and had over 30,000 of damage. They are the worst.

option did not give me choice of LTC. But.... this is an example of how they treat long time customers. NO ETHICS! HORRIBLE ... HORRIBLE COMPANY. We bought a good long term care police early. We were in our early 40's and bought in October 1999. They stopped selling long term care insurance in December 1999. NOW... after all these years of faithfully paying our annual amounts I just received a letter, and they are raising our annual amounts by 300% from the original. REALLY... they are only supposed to be able to raise if it is across the board... A.K.A. everyone.... really... we were in our early 40's how many policies do you really think they have in addition to ours. Let's see.... take your money for years... then raise it so much when there are so few left you want to cancel. Is that ethical? NO... dishonest YES... do NOT trust this company. PERIOD!!! DISHONEST, LIERS AND COMPLETELY HORRIBLE. Will I renew, do not know, wating on answer from Insurance board and attorney general. Do not think what they have doen is legal. CROOKS

I found Bestow much better than their offers

Not recommended I found better rates with Ladder through this site!