Cres Insurance Services in San Diego will go "per transaction" for small brokerages.
My rep there is Joe Bogle whose e-mail address is jbogle@cresdirect.com Their phone number is 800 880 2747 x 151
You may also ask them to give you a quote for California required Workers compensation insurance for your agents and clerical staff.
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"People rarely succeed unless they have fun in what they are doing"....Dale Carnegie