Yeah, we do. I mean we find actually most of the companies that join a broker actually have insurance already and they're just looking for a better way to deal with their existing policies and so there is a number of tools that we've built out that make it easier to perform, like sending certificates for example, which is something that is a proof of insurance and oftentimes when you sign a lease or a contract you need to send proof that you're insured to that other party and we've built a self-service way to do that and so we find companies that will switch over to us just because it's easier to manage things like that.

https://www.kruzeconsulting.com/founders_and_friends/podcast/matt-miller-of-embroker-a-better-way-for-startups-to-get-insurance