the price is for mainly flat work with buildings being about 5% of my work. the policy writer is western reserve, and i went through a local agent which i asked if she could write all over the country, she said no, only in ohio. but western reserve may be all over the country. the other good thing was, they seem to know our business. she had a quote for me in less than 2 hours.
if you can lower those rates, go for it.