Would you rather they spent money on their web site or gave you a better deal
Seriously, the web site isn't great but the person I've dealt with there is very knowledgeable and the insurance coverage is extensive (i.e. covers items in transit, multiple locations, etc.). The application process was easy as well. They use Lloyd's of London as their underwriter.
I purchased insurance through them but haven't ever had to file a claim so can't vouch for how well that process goes. I was referred to them by a friend who was very happy with their services and would be happy to send contact info for the agent I deal with to anyone interested in talking to them further. Just PM me.
jeff