I had recently joined this group and had to change my classification, Due to problems with my last job that had just stole $!,000 in commissions from me. I had to change my classification to Houscleaning that I had done for 20+ years to try to keep myself from losing my home.( I had not even been in the group 2 months). They told me that this should not be a problem, a week later just a select few( the good ole boys club)Were asking me all these questions about bonding and insurance, workers compensation and on and on........I had told them that I didn't have employees and that I only cleaned one or two clients a day and that most of my clients I had had anywhere from 5-15 yrs. I told them that if I grew I would probably need this coverage but right now I couldn't afford it. My present clients didn't require it of me. They didn't give me a choice and told me that my application was denied! That I would not get a refund of $400.00! These people are self-serving and only care about themselves. They are not liable for the business in the group and this should be the decision of the clients who hire me not them! Believe me Bonding and Insurance is no quarentee for anything! Word of Mouth and someone u know is much better!........They have to prey on single mothers who are ready to lose everything! They are very clickish and strick with no flexibility! Please be careful before giving these crooks your money! And look carefully to see the brown on their noses! What comes around goes around! They told me that I could try to get my money back or try to go to another group somewhere. But there was no refunds! Just take your time before joining these groups and beware! Alot of the old timers promote more categories than should be allowed for one person and it is very unfair politically!Keep your eyes open!Anything to benefit themselves!