I pay $1,850 a year for $1,000,000.00 each claim, $2,000,000.00 aggregate, $2,500 deductible. It's a Hartford Spectrum Business policy. It also has $1,000,000 business liabilty which includes medical, fire, advertising & personal liability, etc. I don't think I need all that but it is included. You can pay by the month for an additional $5 fee and there was no down payment. But you have to go thru an underwriter.

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