please try this
help!

My anse would differ a little from the other agents. I would say you need an agent who will sit down with you, evaluate all of your risk, and then recomend a package that fits your needs. When it comes to business coverage, no 2 companies are alike and you should only purchase the coverages that pertain to you specific situation. Independant agents tend to group people into a catagory and see them generic policy with a non-standard/ surplus company. Look for a Preffered company that writes companies in a similar field and can tailor your coverage to meet your needs, at a reasonable rate. NAtionwide is known for “total coverage” plus…..we’re ‘on your side’ !

OK, what you NEED depends on what they want! The only thing required BY LAW is workers compensation, if you have employees (and likely USL&H rider on the WC, which is EXPENSIVE).

Ask them for the insurance requirements. It should be spelled out in the contract – both the coverages, and the limits that they require.

You go to a local, independent agent to get quotes. You’ll need to allow some time, that USL&H endorsement takes a week or two to get quoted up.

The type of insurance that is probably being required of you is General Liability (GL) insurance. GL basically covers any damage or injuries (to others) that is caused by your negligence.

The only problem I can foresee is that you are cleaning boats. There are a number of insurance companies that write insurance for “Cleaning companies” or janitorial services companies.

I would recommend speaking with an independent insurance agent in your local area as I am sure your not the only one in the area doing this type of work, you should be able to find an agent that can find you insurance at a reasonable cost.