JOE GIBBS is the BEST! SUPERB! He gave me the best deal on our Gen Liability ins, Auto Ins and Renter's Insurance. He is always there to help, he'll answer your call and help you immediately. In our case, we always ask him to add an additional insured on our GLI, and within the same day, he'll send you the certificate. He is always there when you need him and if he promised that he'll call you by that time, it is sure that he'll do it. We'll keep him and always recommend him to other people that need insurance. He is Gold!