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<Just as important as low cost is good, prompt, technical support service. If you have a problem at 8PM on Friday of a 3-day holiday weekend, you want a prompt and useful response to your concerns. has never let me down. After using the other services, I'm amazed sometimes how fast they are to respond to email support questions.>

Absolutely and this has got to be a prime issue for many aspects of services to small businesses. Paying more for prompt support may be more viable for the small business than paying less for unreliable support. I still remember phoning an insurance provider who supposedly offered a special service via my business association. My crime? Well I phoned at about 4.00pm on the Friday of a Bank Holiday Weekend (US readers substitute 'public holiday'). This may seem unsympathetic of me but I'm a retailer and a bank holiday often means a much busier weekend than usual. I and my staff certainly won't be going off on holiday - we have to do that at other times.

It was amazing. The person taking my call got all flappy, and - evidentally in despair - passed me onto someone clearly far above the level of employee I needed to contact. Who was he? Senior Manager? Or even the C.E.O. perhaps! But he was certainly panicked while also desperate to help BUT he explained if I needed insurance now what was he to do all the staff had already gone off on the bank holiday (I fear he was indeed the C.E.O.!). I explained several times over as I'd already done to the person taking the call that I didn't expect to insure that day and didn't need to insure that day I just wanted info and an application form and receiving it next week would be fine.

But he flapped on and on. I insured with my current insurer 10 days later instead. Not necessarily the best deal but at least they didn't flap!

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