liability insurance

[lawn guy ny]

i have been in biz for 9 years and am now only doing less than 20 residential properties a week .i have had a general contractor's liability policy i do not plow . and am paying for insurance coverage for 12 months. any one got any ideas to deduce this cost .i m thinking of going with out.................

[BillyRgn]

plowing's general liabilty would be seperate, at least mine is, the only way to probally lower what you pay is to reduse your coverage (i.e. if you have 5 mil for coverage, have it lowered to 1 mil) and the only other thing i can think of is to raise your deductable, (i.e. if it is 500 now raise it to 1,000 or 1,500) the only thing is now most incident's will come out of your pocket, and the insurance will only take care of the larger things.