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  1. #1
    Join Date
    May 2007
    Location
    Tyler, TX
    Posts
    719

    Default General Liability

    My GL policy is up for renewal and I'm curious what some of you guys have.

    I have a policy that is not premises-only (not sure what it's called) and I pay $444 with Hartford. I know that premises-only policies are less expensive and sometimes have no deductible.

    Does anyone else have a similar policy for a reduced amount? Maybe $444 is a good deal; I don't know.

    thx

    Similar Threads:
    F.I.R.E. Services
    Bruce Thompson, Lic. #9199
    www.TylerHomeInspector.com
    Home Inspections in the Tyler and East Texas area

  2. #2
    Ted Menelly's Avatar
    Ted Menelly Guest

    Default Re: General Liability

    Quote Originally Posted by JB Thompson View Post
    My GL policy is up for renewal and I'm curious what some of you guys have.

    I have a policy that is not premises-only (not sure what it's called) and I pay $444 with Hartford. I know that premises-only policies are less expensive and sometimes have no deductible.

    Does anyone else have a similar policy for a reduced amount? Maybe $444 is a good deal; I don't know.

    thx
    JB

    Here is some info. I really never pay attention much and just tell them to put it together for me. Their rates are good. That is why I went with them to begin with. Barbara will hook you up with something reasonable. I just renewed my E+O and General Liability

    Barbara Robertson
    Superior Insurance Services, Inc.
    1347 19th Street
    Plano, Texas 75074

    www.SuperiorInsuranceInc.com
    www.LiabilityInsurancePro.com

    (972) 423-2300 Ext 226
    (972) 759-9781 Fax


  3. #3
    Join Date
    Mar 2007
    Location
    Plano, Texas
    Posts
    4,170

    Default Re: General Liability

    I just renewed for $500 for $1 million in coverage as a tag onto my E&O of the same amount.

    Jim Luttrall
    www.MrInspector.net
    Plano, Texas

  4. #4
    Join Date
    May 2007
    Location
    Tyler, TX
    Posts
    719

    Default Re: General Liability

    Quote Originally Posted by Ted Menelly View Post
    JB

    Here is some info. I really never pay attention much and just tell them to put it together for me. Their rates are good. That is why I went with them to begin with. Barbara will hook you up with something reasonable. I just renewed my E+O and General Liability

    Barbara Robertson
    Superior Insurance Services, Inc.
    1347 19th Street
    Plano, Texas 75074

    www.SuperiorInsuranceInc.com
    www.LiabilityInsurancePro.com

    (972) 423-2300 Ext 226
    (972) 759-9781 Fax
    Thanks Ted. I'll give them a call.

    Jim, I need to look up my limits. I "think" I've got a million. Guess I'd better check.

    Bruce Thompson, Lic. #9199
    www.TylerHomeInspector.com
    Home Inspections in the Tyler and East Texas area

  5. #5
    Leigh Goodman's Avatar
    Leigh Goodman Guest

    Default Re: General Liability

    My agent has me with Cincinnati Ins. Co. 513-870-2000.
    $ 289.00 Do not know if you can deal direct or if you need an agent.
    My agent is Hockensmith Ins. Agency
    Georgetown Ky
    502-863-1445


  6. #6
    Join Date
    Mar 2007
    Location
    Spring Hill (Nashville), TN
    Posts
    5,847

    Default Re: General Liability

    My E&O (BRP) comes with a GL policy that is good while I'm doing an inspection. In addition I also have a $1M umbrella GL policy through Shelter Insurance, I have had it for 12 or so years. I pay a great deal less than $500 for it
    My rate has actually gone down over the past couple of years! I pay around $200 a year.

    Check with your local independent insurance agents, you might be surprised at what you will be able to find. Shelter actually has me listed as a home inspector, but my coverage is through their home office. A local agent did some research and discovered that they actually have a home inspector category. Many times home inspectors are lumped into a contractor or similar category and this is why the rates are all over the board. Many agents do not have a clue when it comes to placing a policy for our profession.

    Last edited by Scott Patterson; 10-01-2010 at 07:33 AM.
    Scott Patterson, ACI
    Spring Hill, TN
    www.traceinspections.com

  7. #7
    Join Date
    Mar 2007
    Location
    Atlanta, Georgia
    Posts
    1,078

    Default Re: General Liability

    Erie has 1 mil for about $225. I go through local agent.

    "The Code is not a peak to reach but a foundation to build from."

  8. #8
    Nolan Kienitz's Avatar
    Nolan Kienitz Guest

    Default Re: General Liability

    JB,

    I have Hartford (many, many years).

    $350/annual - $4M coverage.

    They don't write this one anymore from what I understand.


  9. #9
    Join Date
    May 2007
    Location
    Tyler, TX
    Posts
    719

    Default Re: General Liability

    Some of the lower priced policies are "premises-only" which means that you're only covered while on site doing the inspection.

    My policy covers all the time and everywhere.

    If any of you have this type of policy that's less than mine, let me know (Nolan - you don't count )

    Bruce Thompson, Lic. #9199
    www.TylerHomeInspector.com
    Home Inspections in the Tyler and East Texas area

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