I like things to be simple, straight forward, concise and using fewer words and I hate extra paperwork, but I have a small business with just 5 families. You will have a really large business. I have my main contract and then all the policies that I have run into over the years are attached so it is all one 9 page package. I guess I worked with the public in insurance and then at the medical lab for so many years that I believe if they are going to remember anything it had better be in plain language without loopholes and fancy wording.