We realize the importance of having strong relationships with insurance carriers and administrators. While a strong relationship is important for rate development and negotiation, it also plays a significant role when service issues need to be addressed or exceptions need to be made for special situations. Through our own regional relationships, as well as through our affiliation with NFP, we have access to and represent several key insurance carriers in each geographic market. This provides us with unique leverage, buying power, resources, and access to high level executives.