I personally have not found group texts to work well when you have everyone on different phones and different carriers. 

I will let you know that there are a lot of other insurance carriers who I feel are trying to find ways not to cover a loss.

Zip, carrier route, subdivision?

As @John Mocker referenced, you may still have options on the Persoanl insurance side of the business, but if you keep buying, these will be temporary solutions.On the commercial side of the insurance industry, there are multiple commercial insurance carriers that will have solutions for you. 

Working with a broker who represents multiple carriers is probably the way to go in this case.

Since we don't work directly for any carriers, you can call your agent first and ask if filing a claim is the right option for each scenario. 

Some personal lines type carriers will cover a 3 family, but most will only cover to a duplex.

It simply allows your company to go by a different name.If you are operating a vehicle to operate a business - the carrier may require you to have commercial insurance on the vehicle.Is the car that you are driving valuable? 

I've pretty much narrowed my choice down to two companies, Besco Air which uses Rheem and Air Blue which uses Carrier. 

You can even ask them to have their insurance agent send you "loss runs"  This is the official report from the insurance carrier detailing the loss and total payouts.High risk property characteristics in the Midwest right now are any electrical system other than 100 amp circuit breakers & a roof more than 20 years old.