Well, It looks like MK is the winner. Did alot of talking to a lot of companies and MK was the one who could give us the limits we wanted at a reasonable price whith the least amount of loopholes. Now these were not the cheapest options but they were very reasonable for the coverage and for the quality of companies we were able to deal with. Now thats not to say this route is right for everyones individual needs but for us it was the logical solution. Thanks for the help guys
Carl