Thanks to all who messaged me privately and @Chris Mason, I found Auto Owners was pretty competitive.  

Quote from @Russell Brazil: If you keep doing the same thing, getting the same results, but expecting different results.....maybe it is time to try a different method.  

Russell, would that also be called an "expanded rate?" 

Quote from @Chris Watson: Recently retired AD Chap here. 

Thanks Chris, better to take this discussion offline, yes tech company but when sponsors want to present to Avestor fund managers , a key requirement is that they have to provide enough margins so that investors don't get a better deal if they go directly with sponsor. 

Quote from @Jon Haney: I agree with Chris.

@Chris Seveney Thanks needed a straight answer, we were looking at a quick sale, so we purchased a binder in lieu of a full policy does that effect it at all?

Quote from @Chris Seveney: Quote from @Jay Hinrichs: just a side note I get leads as well..

Quote from @Chris Seveney: @Jay HinrichsYep.

Thank you Chris!