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I use a broker and I have not had a problem with them. Having said that I am in Australia and US brokers may well be a different breed. Some considerations may be do you need to get a survey, does cover include racing if you intend to race and how far offshore they will cover you for. I have also read in a magazine somewhere that you may need to get your rig inspected by a rigger every so many years in order to get a full value payment in the event of a rig failure. Our rules are probably different to yours and I find that asking around at your yacht club can get good local advice on most things(the forum we used to have before the internet)
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