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Thanks for the information Dana.
The discussion is probably moot now because their proposal came back much higher than what our current provider has proposed, more than double. That said it looks like their policy covers much more. I would have to go through it in detail to see where the differences are, but it probably isn’t such a valuable use of time since we likely won’t be proceeding with them.
They did state that it is compliant with legislation, and it appears to be as far as I can tell. So I plan to go back to them next year as well. Hopefully earlier so we have time to drill down with them to try to make their proposal more competitive.