I don't have a dog in this hunt but I would stay away from IMG. You are much better off going with a European insurer such as IHI out of Denmark, a good German insurer would be much better. Just be honest on your application and make sure you know what you want. In my experience going with the European insurers you will like get treated much when it comes time to file a claim. All insurers talk a good game but very few actually pay claims and then not without a huge hassle.

Captain One Iron