Thanks Michele for the kind words.
Not to sound like a commercial, but PGF will be introducing a new feature in it's insurance program as well - "organization" coverage. If an organization registers and insures all teams within the organization, we will be able to give you a group policy that includes all the teams and the organizational entity. It is my experience that many organizations do not have any coverage. There is no extra cost to arrange your insurance this way. The teams and the organization will share the limit (rather than have their own limit) but since our policy has no aggregate limitation this should not be a significant concern. This feature will be added to the insurance portfolio on the PGF website in the next week or so.
If you have questions, you can always reach me at gary@newborninsurance.com or 800.821.6802. Thanks.
Gary Newborn
G. S. Newborn & Associates, Inc.