OK I am getting so mad at this Insurance Company of such lack of communication that it is getting to the point we will not be able to have our playday!!! I have called and talked to this Dennis, and emailed 4 times with not one call back nor a one reply back. When I talked to him, he just said that Yeah they have the application and they'll get a hold of you. Well, this has been going on since the 27th of Aug.!!! I've never experienced this with VERY LARGE horse events that I've put on. Sorry just VENTING!!!! Does anyone have another company to recommend?