httpwebwitch
msg:4235003 | 7:24 pm on Nov 25, 2010 (gmt 0) |
I've no specific company to recommend, but I'd call around to local independent insurance brokers w/ that question. Brokers deal with multiple insurance companies, and negotiate the best rates possible for multiple clients. If they can answer that question on the phone and get you the kind of insurance you need, then they get your business.
Typically a broker is paid commission by the insurance company for bringing in business, so their services to you are free.
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LifeinAsia
msg:4236340 | 5:17 pm on Nov 29, 2010 (gmt 0) |
Unfortunately, every broker (except 1) I talked to uses the same carrier (The Hartford), so they all have the same minimum premium issue. The other broker also uses a different company, but the minimum premium is still excessive (in my opinion).
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bwnbwn
msg:4236491 | 12:13 am on Nov 30, 2010 (gmt 0) |
hmm lifeinasia I will ask our IT guy tomorroww who we use and our cost. Do need to know what country are you in not that I can't guess by your name just need to be sure.
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LifeinAsia
msg:4236497 | 12:30 am on Nov 30, 2010 (gmt 0) |
U.S. (California, to be more specific).
Thanks!
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spadilla
msg:4237227 | 4:32 am on Dec 1, 2010 (gmt 0) |
I would be interested to know as well. I'm in California too :)
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bwnbwn
msg:4237484 | 6:21 pm on Dec 1, 2010 (gmt 0) |
Hmm I asked our IT and the colo we use doesn't require us to have it for entering the building. Sorry can't help ya there.
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cshel
msg:4245047 | 11:49 pm on Dec 21, 2010 (gmt 0) |
I used a broker... but it's hard to know what "reasonable" is when there's no target cost given :)
I didn't find the costs to be outrageous (for gen. liability... E&O was a different story)... but I also didn't find any policies less than $500/yr.
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LifeinAsia
msg:4245054 | 12:17 am on Dec 22, 2010 (gmt 0) |
Yeah, pretty much everyone we talked to quoted us for a policy through Hartford, but their minimum premium is $475 (or something like that). The actual premium is close to $200, but they won't write a policy for less than $475.
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cshel
msg:4245073 | 3:20 am on Dec 22, 2010 (gmt 0) |
I have no idea if they do this kind of thing or not, but have you asked if the insurance companies do anything like multiple policy discounts? Maybe if you move your car/home/life insurance to Hartford (or whomever) they will write it for the $275 since you're getting other things covered through them.
Like I said... shot in the dark, but it can't hurt to ask.
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LifeinAsia
msg:4245230 | 4:43 pm on Dec 22, 2010 (gmt 0) |
The impression I got was that it wouldn't work because it would be mixing personal and business insurance. The only type of additional insurance they could include would have been workers comp. But adding another type would have driven the minimum premium up to $500, so would still be wasting a lot of money.
Besides, I wouldn't switch my home/car to them anyway- what we have is far better and less expensive. I actually did contact our car/home insurance company about a GL policy. They don't underwrite it directly- they use Hartford.
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