I’m in TN but licensed for every state through FEMA. I haven’t written any policies in TX but it’s all underwritten through the National Flood Insurance Program so all the rates are basically identical it’s just the person you call for service.
I chose this captivity and so far my captures have been more than accommodating.
The company I work for uses Liberty Mutual for some of our lines of coverage (Emergency and Non-Emergency Auto, and Excess Worker's Comp). It was odd because our emergency coverage was going through the roof a couple years ago so our broker (Willis Towers Watson) sought additional quotes. LM came in way lower on the emergency auto, but required us to also switch non-emergency auto and excess worker's comp. I understand the concept, but thought it was odd that they wanted the EWC.
Excess is lower risk. The likelihood of a larger claim that your, I'm assuming, self insured program would need the excess is rare unless your coworkers like to fire nail guns at each other and are accurate.