[jesusmichael]

1. The GL is a little high... If you're a sole proprietor and you own a home you can get the GL rider for like $200-300 a year.

2. PL isn't expensive typically they rate it by your last 12 months of revenue. We do $10M+ last year and our PL premium is $1900 a year.

3. Never heard of this... Call you're ins company.

4. They might be able to waive the WC if you are both owners of the company and you don't have any employees.

[jrod2121]

Where would we go to get these types of insurance? We are a LLC (2 members, no employees).

[jesusmichael]

Well... most large ins cos have these lines. Allstate, Farmers, State Farm. If you have a house, call your agent they will get you a deal that's a small business rider on your homeowners ins. If you don't have a house... call the agent you got your car insurance from.

Or google "Small business general liability insurance <your city>" There are probably a boatload of brokers.

If you're in SoCal or PHX... I'll give you a couple of names of good biz brokers

if you are employees of your own company and you pay yourself a paycheck (not a shareholder distribution)... you may want to consider a PEO so you don't have to get Worker's comp... that can be a pain in the ass...

[jrod2121]

What about something like hiscox?

[jesusmichael]

yea... whatever... I'm thinking you might get a discount if go with your agent.