Lady & Gentlemen, I believe I am quite uniquely qualified for helping with this dispute: Not intending to ego here...
I am a current licensed P&C agent (the license required to cover Commercial General Claims - in this case Completed Operations & Product Liability), and have been so well before GreenFoot's certificate was issued. License number and state available by PM or email, since Q3 2004. I happen to have some direct experience with this due to my construction management postings.
I am a network marketing skeptic, as a former veteran of several good and bad companies, albeit my income part-time rather than full-time as a leader. This is mainly because I am not their trained dog, and I don't buy hype as a business pragmatist. I have seen every scam, sham, hype and conster out there. Short of being Rod Cook, I'm about as neutral as you find. (Company names and leadership level savailable by PM or email.)
I am a former VP Operations for two construction companies, and current Managerment at a financial service center. Upper management doesn't buy into BS without numbers. (Because I am a moving target with access to large sums of cash, prefer not to provide my name thanks, but prior firms available by PM or email.)
I also have a degree and background in I.T. Management (Degree/school and firm names available by PM or email.) This will factor into my explanation. I have an upper level edcuation before my major changed in science and chem, so I have some idea of how to read & filter their research.
I have also come out of 'marketing retirement' for a social and Internet marketing experiment, in which I have joined GreenFoot. (No flames on this with skepticism: I did give full disclosure.)
It is quite common for manufacturers to move CGL companies annually, or every few years, as the market moves on pricing - more so underwriting guidelines. For example, American Family is not writing CGL for construction companies, to my knowledge, due to excessive losses (fraud? how would I know personally - only a guess). Manufacturing operations are not shutting down because their insurer quits.
The 2009 form matches exactly what this is; additionally, my insurere was using this form for AmFam in 2010. Here's where the I.T. comes in: ACORD is like Microsoft, you want the new forms you have to PAY. In this ecomony, what independent insurance brokerage is going to shell $2k on that? Just my two cents.
My suspiciion is this is the certificate from when Hyman's crew obtained GreenFoot or at least redesigned them. Would you want 5,000 people calling you to verify insurance (sure let's hire 20 full-time administrative assistances and 5 phone lines). They may have moved companies after, and for many labor and "why the heck would we show our Poker Hand for lawsutis" never updated it online. I wouldn't. I think it also shows credibility, assuming they had insurance since 2009.
I find it more disturbing "no patent handled out for privacy reasons." Everything else looks in order. As former upper management, I do think there are smart reasons for this but it seems convenient. My understanding of the new EPA rules is that it is quite an investment to get registered (Cycle 1 & 2 tests now merged?) so this adds some credibility - and legal ability to say saves miles and safe for your car. VERY expensive.
Not to pick on DreamLife or Power Plus MGP, but all the accusations about products manufacturerd by hand (gum?), financial issues, and lack of EPA registrations with claims of damages (avoiding LA Atty General claims since state laws vary) - comparing this with the last great "pill" or gas MLM, GreenFoot is started by people who were in the "gas saver" MLM before DreamLife (chose not to partake?) and have little history of bouncing companies. They also "retooled" what I have researched (5 EPA reg's) as an existing private company that didn't appear in financial trouble. GFG calls do seem like Methodist bulletin reviews (thank God I was raised Weslyan) and have MLM hype, my LORD they aren't the Hallelujah! sermons DreamLife appears to have (based on me listening to a few online) - and many other that seem more fly by night. Seems a way better "gamble."
I'm relatively new to the GFG business, although you can see plainly this is NOT my first rodeo, so now is the time to visit my site and "Contact Distributor: while I am CANDID *not* 100% sold with any questions: http://www.greenfootfglobal.com/Youareceo I also encourage former? DreamLIfers finding this page out of frustration to try a product that doesn't have 4,000 complaints online. If anything, when you contact me as another professional or "seeker" you won't get a sales pitch but real information. That's how I roll. I will warn you even as a pragmatist I've had constructive results. And if I find GFG is dishonest, I won't pitch my tight network on it - It's just not worth the damage to my reputation. I haven't marketed something since 2008, and there is a reason I waited six months during investigation to jump in cautiously.
In fact, anyone with serious questions that demand an answer: If you contact me on my web site, I will deliver them to Bill Hyman personally, as long as your questions are not negative or flame-bait. My sponsor is one level below the corporate office, and we are in regular contact with the Hymans. I've been to my father's house (who is drop-dead sold on his Durango getting 23 mpg instead of 16? BTW) and heard Hyman's wife on his answering machine leaving a message for Pop while he was out. My father is successful in sales, but not the high roller will travel you usually get with professional network marketers. I had the displeasure of a down laptop that weekend, and was using his office. Yes, I am just a baby at 36 aren't I? No I don't live there - down the street, thanks for asking. But don't get the idea that I am cozy with the owners, or that I am their Monkey Boy per se - I just have access to them.
Now, I'm sure I will get the marketing flame and the newbie flame because I am not posting to share. However, as a GFG person - and legal savvy company man in my own right - I do have to avoid saying things I can't substantiate or prove about a company with which I legally signed. So, my inclinations aren't public so I am not sued or issued notice, etc. - The main reason I won't explain online. The fact you have contact me personaly is a bonus, and the lack of public humility by equally unsubstantiated flames is priceless to me. :)
I do promise I am only trying to help. But, what can I say? I rarely post anywhere, and I can't help it there is one "scam" accusation website I can find for GFG (plus this pragmatic, authentic and useful discussion - KUDOS) and 10,000 dislike sites for the other guys. Not my problem there.
JSH - Managing Member SaveGas MakeCash GoGreen LLC
http://www.greenfootglobal.com/Youareceo