Brown & Brown of Pennsylvania LP is the insurance carrier. They take your money and issue a generic certificate of insurance. If you ask for a copy of the policy, they won't send it and if you ask them for specific certificates of insurance, they won't send that either. I have a photo shoot at the end of this month and I've asked TWICE for a specific certificate of insurance and I get no response from them. Maybe someone from the photo.net community can wake them up? You get less than what you pay for.