Can certainly vouch for ARC, they are excellent to work with.
England Athletics from whom most organisations/clubs get their race insurance implemented a document with several recommendations in it regarding H&S early last year. Included was a recommendation for the need to close roads with max speed limits over a certain speed (I think 30 or 40 mph) irrespective of the circumstances.
We estimated that in our little area of Surreyshire we would lose at least half of the well established (and much loved) events if it was implemented to the letter.
We walked away from UKA and now source our insurance elsewhere. Many clubs have followed suit and it's gratifying to see many opt for the ARC option which allow races to go ahead with sensible precautions in place after a suitable and sufficient risk assessment has been carried out (which is all the Health and Safety exec. ask for after all).