Suppose Smith & Smith, LLC$,$ is a small, $20-$employee Kentucky business that provides a very unique service; it cleans bourbon distilling vessels. In fact, Smith & Smith is the only company within a fifteen$-$state radius that performs this service. Further suppose that Smith & Smith has been in business for twenty years, and has always paid their workers$$ comp premiums on time. Smith & Smith$$s loss history is average, and its workers$$ compensation premium is usually around $$25,000$ per year. Which of the following is the most likely means for Smith & Smith to obtain workers$$ compensation insurance?