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		 Ugh. I'd say yes, you're getting ripped off, but if the owner doesn't want to switch to a company that works for everybody I'm not sure what you can do, other than get an individual policy (which has risks that a group policy does not).  
		
	
		
		
		
		
			
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Why cycling? Anything [sport] that had to do with a ball, I wasn't very good at.  
-Lance Armstrong 
  
			 
		
		
		
		
	
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