Terrible insurance broker who always tries to rip off customers. I got a building only insurance (not content), in a completely casual conversation, when they found out a child moves in, I was told I had to pay extra premium because "more occupants more chances to damage the building". I tried to explain, the insurance document says tenants are by virtue of tenancy agreement. Children are never classified as tenants. But they would not listen, their interpretation of tenants are occupants. If you have a building only policy with them, you will be liable to keep them posted if you or your tenants have a new born baby, it is rediculous!!!