Specialty Insurance here; just wondering if anyone uses anything different? I'm happy with Specialty - just looking for a good excuse to buy into one of the member based insurance programs as they advertise at about 50% the cost of Specialty. Anyone using KIDabra insurance? I.B.M.? S.A.M.? (I heard SAM just restructured their insurance?). My problem with those (and the equivalent clown groups I'm assuming) is the pot-luck style coverage (in that if I get sued and use all the cash; then the guy behind me in line is screwed). I know claims are rare, but the pessimist in me can't make the plunge to change carriers and "save" $125/year. Add in the fact of the additional acts that are covered (aerialist, mentalist, ...) and I'm not even sure this post is worthwhile as I'm reinforcing my concerns as I type... However... Who is using what and are you happy with them?