If the US insurance market is anythink like the UK then the most useful thing I can tell you is to shop around. Get quotes from as many places as possible and don't be afraid to tell one company what another has quoted you, they will often manage to beat an existing price.
In the days when I was a self-employed elecrical contractor I had to carry some heavy liability cover. It's the easiest thing in the world to just accept the first quote, or automatically renew existing cover at the end of the year.
It can be a real pain giving your details over and over again to many different companies, but the cost savings can make really make it worth your while.
one_rod.
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