Randy:

No offense, but I have to go with NoStressHere on this one.

An insurance company is only as strong as the financial resources they have available to pay off claims. I sent an e-mail to AwardGuard with this concern, and received what looks like a form e-mail which did not address the issue.

For "regular" insurance (auto, liability, etc.), I can go to A.M. Best and check the rating of the insurance company. Best's rating is the accepted standard in the industry. I've seen many different types of contracts which specify a minimum required Best's rating in the insurance clause.

So back to NoStressHere's issue: what sort of independently-reviewed information is out there that the more skeptical among us can use to assure ourselves that AwardGuard has the financial resources to pay out in the event of a big hit?

[This message has been edited by cubsfan10 (edited 10-06-2001).]