NLIC.org

Jeffrey Said:

What is the cost of general liability insurance for a solo acoustic musician in Michigan?

We Answered:

You need to go to a local, independent agent, and ask them to work up some quotes. GL coverage will depend on how many people can see the performance, and your contract (are you responsible for slip/fall claims in the audience, or is the house?).

You can bet it's going to START at $750, and could very well be higher than that.

You cannot buy this coverage on the internet. Anyone who posts a link, is spamming you. You HAVE to buy business insurance, through an agent.

Raymond Said:

General Contractor looking for General Liability Insurance for another state?

We Answered:

Your OWN general liability policy most likely will cover you! I've seen HUNDREDS of these, and some of the rating is based on "radius of operations", but that's mostly the auto part. The standard liability policy in the US has a territory of "The United States, it's territories and posessions".

If your business is "structural repairs", there will no doubt be more questions - like is it below ground, or above ground? And is residential limited to single family homes, under four units, or above four units?.

You need a new agent - a local, independent agent who can farm this out to a couple wholesalers to get a taker. If you haven't had GL coverage before, then you'll likely end up in the surplus market - ESPECIALLY if you'll be subbing out more than 25% of the work (because actually that makes you a GENERAL CONTRACTOR). But there are quite a few carriers that do your line of business. It's just not going to be a $500 policy, ya know?