I received a "cheap" quote from another company on E&O once and I did some research only to find that the cheaper company's policy was very stripped-down and once I read the fine print, I was willing to stay with TIAC, a company that specializes in coverage for our industry because their coverage was more comprehensive. Insurance itself is a matter of gambling, so if you're a gambler, save the money! But I'm a scaredy-cat so I decided to go with what I believed to be better quality coverage. My only advice is to know what you're giving up for that cheaper premium before you sign on the dotted line.