The Fort Wayne Railroad Historical Society, Inc. has been well served by McRail. We operate a 70 year old steam locomotive pulling mainline railroad excursions with 700+ passengers all over the eastern US, on several rail carriers. It is certainly a rare and unusual operation and McRail has given us outstanding service and advice. Subrogation has been a critical issue for us and special arrangements have been made with Underwriters for a satisfactory solution. More recently, a status-quo Renewal in May 2015 would have resulted in a 10% rate increase for the FWRHS. On their own initiative, McRail sought out an arrangement to split the coverage between two different carriers, almost eliminating any increase. We can't say enough good things about the McRail team. PS - I have been licensed as an insurance agent in Ohio for over a decade and even if I worked in those markets, I doubt that I could do as well as they have.