M B wrote:

Do you think the government or the insurance company
does a better job of protecting the customer?

This was not the point. The point was that the whole idea of a
commercial rating should be to protect the costomer. A commercial rating
should be a certificate that I can trust somebody. That's the idea.

That this is not achived by the ridiculous requirements to get such a
rating (in the USA) was exactly my point.

Stefan