Use the "search" function on this site because there is a wealth of knowledge to behold and it helps cut down on repeat threads, there were already a few indepth and very informative threads about US Fidelis and their coverage and practices. Im sure youll be able to find them or one of the other members will be kind enough to link them.
From what I read and what I have gathered about the company, I wouldn't even bother with them.
Just my .02
