Not open about how they price customers annual premium. The under writing staff does not underwrite they only drive premium. you can have a customer with a Workers Comp mod of 1.25 and they will give 25-30% credit and then you can have another account with a 0.80 Workers Comp mod and they will issue 10% credit. They bad mouth competition saying that they are fly by night companies such as Travelers, Hartford and Employers. Save your money and frustrations and use another company for your business insurance needs. Sentry is 10-15 years behind the modern insurance model. It takes Sentry 15-21 days to provide a quote for your new auto even for a current customer. Every insurance company I know can give you an auto quote in minutes not days.