Insurance

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Permalink Reply by Nat on July 17, 2011 at 9:10am

We just went through this and it took several months to get a simple quote out of a company. You're supposed to go to an insurance consolidator or broker who then shops your requirements around to different companies for the best quote. You could try someone like Pyramid Insurance  or http://www.mutualunderwriters.com/.

 

They'll ask you all kinds of questions about your company like income, employees, equipment, etc. to get you an appropriate quote.

 

Good luck!

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Permalink Reply by Ruth Atkinson Kendrick on July 17, 2011 at 9:51am

I just used my regular insurance broker.  He shopped it and gave me my options. Actually very reasonable.

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Permalink Reply by Nicole Gnutzman on July 17, 2011 at 10:43pm

Farmer's Insurance was very responsive to my needs and even has a special package just for chocolatiers.

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Permalink Reply by Tony Angnardo on April 29, 2013 at 4:48pm

Did anybody go through this process in the state of FL?  Any info is greatly appreciated.  Thanks  

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Permalink Reply by Brad Churchill on April 29, 2013 at 9:25pm

Most larger insurance companies have an in-house commercial broker.  Unless you are actually setting up a manufacturing facility with large automated equipment, don't mislead them with the term "manufacturing".  If your sales are under $1,000,000 gross per year, you're a small chocolatier and need liability insurance.  That's it. It's a low risk business, and shouldn't cost you any more than around $1200 per year for as much as $5,000,000 liability.

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