I do know but I do know someone that can answer your question.
His name is Nick and he is the owner of an insurance company.
Go to his website and contact him and please let him know I refered you to him.
Hes a great guy to know and he knows anything and everything about insurance.
Welcome Sally, It is very hard to give you a good answer without knowing more.
Who are you?? Where are you and your company located??
How long have you been in business??
Do you have an accountant?? An insurance agent??