Jim Weir wrote:

What possible difference would that make? All that should matter is that I give
the same information to each company from whom I solicit a bid.

Because it seems to make a difference to you, $45K hull, $500K liability limited
to $100K/passenger.

I have a $70K hull on my 182, $1 mil/$100K per passenger. I paid $1050
last May to Global. This is my second year with them. I had USAIG for
the 5 years prior to that. They were about $50 more than Global. So
your numbers look pretty good.