So we're moving our servers to a new co-location center. The new place requires us to have a general liability insurance policy to get a card key for after hours access.
For the lowest quote we've gotten so far, we basically have to pay 200% more than we need to to meet their "minimum premium difference." In other words, they won't write a policy for a company less than $X/year. If your policy premium is only $Y/year, you still have to pay $X/year. In our case, the difference between X and Y was more than twice X! That's pretty ridiculous for insurance that covers an activity that will take maybe 4-5 hours/year! (Yes, it covers all aspects of the business, but we engage in very few activities that exposes us to much liability.)
Anyone have suggestions on where to go to find a reasonably priced policy?