Cherokee Insurance is just as good if not a better option than anyone else in the general market. Do not believe things you are reading from people who have no experience dealing with them without hearing both sides. Also, many brokers do not have access to them so some will tell you they are not a good option for that reason. I would say that why not see how competitive they are, getting a quote doesn't cost you money. As for service they are quick to respond to issues and easy to get a hold of, and are more easy to deal with in regards to US exposure as they are indeed an American company. Also another plus with Cherokee is that they do monthly adjustments, this eliminates the 21B adjustment so you do not have to wait until the end of the year to get money back from decreasing your fleet size or pay a large some for increasing your fleet size.