WORST EXPERIENCE EVER. Rich McGinn wrote me a GL policy on April 12th via phone, took my payment in full via credit card-$720. Cancelled his meeting with me the next day at the last minute. I came in on the 15th to sign policy. Immediately after signing policy,he stated that he had an issue and he could not insure me and said the policy is cancelled. He said I would get a prorated refund.

When I asked for policy cancellation confirmation a few days later, he said I had to sign a cancellation notice. He reversed his previous position and said the policy was still in affect, and that "he was just an agent and could not cancel it" The main company had to do it via a cancellation request.

Why didn't he have me fill out cancellation request when I was there?

long story short, extremely poor customer service- forced me to wait for prorated refund. 2 weeks waiting now. Rich didn't care about telling me there was a 45 day cancellation clause, got irate when I didn't know answers to his ?'s