B&B Protectors, Inc. is a subsidiary of Brown and Brown Inc. and a subcontractor of Aspen American Insurance Company. Such insurance net increases insurance prices and destroys our healthcare system. B&B Protectors insure Allied Healthcare, Dentists, Eye care providers, Cyber Liability and Lawyers. It looks like they are ready to insure almost all. But do they have experts? They have no even medical experts and own lawyers and this reflects how they do business- dishonesty and cheap tricks to earn money. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The B&B doesn’t follow such a procedure. Moreover, it ignores any letters.A dentist broke my bridge. To deny my claim the B&B invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan. Nothing more. What B&B demands is illegal. Such strategy forces persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. This is a violation of insurance laws of all states. User's recommendation: Prohibit this company to do business in the insurance area.