Insurance in the $500 Range?

The Office
1

I’m looking for some insurance in the $500 range for a year. I’m in the San Diego Area. I have noticed other posts that mention insurance at a great price but they seem to be on the east coast. I’m getting allot of calls for commercial jobs so I need to secure some insurance for them and fast!

Any help is much appreciated thanks!

2

I use American Family…$47/month…for $1,000,000 general liability.

They found me after I entered informatioin at www.insweb.com. Enter your information there and it goes out to several companies, who contact you with quotes.
American Family returned the cheapest quote by far…the next closest was around $90/month.

3

I’m also in SoCal and I use Brian Mattila. They should get you close to that range and they have awesome service. You can try Safeco also.

Brian Mattila
5738 Foremost Drive SE
Grand Rapids, MI 49546
1-800-530-9221
1-616-956-0040
[email protected]

4

safeco

5

Hey thanks for the info I am going to look into all of these right away as so far I have only seen insurance for over $1,000 which is to high for me at the moment.

6

Safeco (through Costco). $2m in GL coverage for $662. I do some other window repair and went with a higher coverage amount (liability and tool coverage). $1M would have cost just under $500.

7

So can you go to costco and purchase insurance with them or is it better to contact them online?

8

I have American family also, just renewed this week, I’m just about the same.

9

I went to the Costco website. There is an 800 number listed. You’ll need your member ID number.

10

Well the Costco option is out for me, they said since I didn’t already have insurance from the get go that I was a liabilty. They said if I get insurance with someone else first then I could switch over later.

I tried American Family as well but they told me they dont service California.

I guess my next stop will be www.buiteninsurance.com

Anyone know of some other insurances that might be an option, I dont want to pay 1,000+ a year if I dont have to!

11

I Called Brian and he quoted me 947.00 for 1 mill for the year…bit high perhaps?

12

Just get insurance. I found out right from the start that insurance for the year is more than paid for with one big job … and then you can get a bunch more! Finding the cheap option is great if you have one in your area (unless you actually need to use the insurance :slight_smile: ), but bottom line - just get it (besides, you can usually pay monthly).

13

Actually, no its not high. You wont be able to do hardly ANY commercial work if you dont have it. Some require 2 million, some 4 million…why, who knows. Also, FYI it is ALWAYS higher the first year. Mine was about 1100 the first year, but after 3 years with Safeco, this last year I only payed 430.00 for 1 million liability. Read my post on “New Insurance” in this section…rates will go up this year.:mad:

14

I just switched my vehicle and gen.liability. I now get commercial vehicle w/ collision, coverage for tools and equipment and 1mil gen liability for my work, all on one policy and for less than 850$. This is my first year.

I am near the east coast. I dont know if my insurance company could cover you (since I dont know a whole lot about that stuff) but I could check if you want.