The legal aspects are very in depth and cover all bases for any type of business owner or employee that is looking into this area with their employees benefits package etc., but also covers other areas such as general liability insurance too! I have not had issues so far either way, however if you do get an issue regarding your coverage it can be resolved fairly quickly by contacting them directly via email and having someone help guide through what needs doing next along side how they will handle things themselves - no complaints here atm though! Great resource material which has helped me understand my options better than ever before when considering different types of insurances/coverages etc..