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Marvin Said:

How much will annual premium be for liability insurance to use School Premises?

We Answered:

It's probably going to run you about $750 for a stand alone policy.

Why don't you check with your church, and see if you can get coverage for way less, added to your church's liability policy? You might get it for as little as $100, to $250 - as an endorsement to a church policy.

April Said:

How do insurance company's figure the ammount of premiums for liability insurance?

We Answered:

In general, insurance is based on your age, the area the vehicle is kept at night, your driving history, the approximate damage your vehicle can cause, the year, make and model of the vehicle you are insuring, the limits of coverage you select and the use of the vehicle. You will receive a discount on your rate if you have any safety devices on the vehicle, any type of defensive driver's course (if applicable in your state), and multiple policy discount (i.e. renter's insurance and auto policy with same insurance provider).
Rates do vary from company to company because of the risk you pose to the insurance company. For example, if there are more younger people insured with one company, your rates will be lower because the risk is the same across the board.
I hope this helps.

Douglas Said:

Can insurance companies give you a break on umbrella liability premiums if you have your insurance with them?

We Answered:

Yes, you do get a multi-policy discount with most companies.