I'm looking at a different insurance company and they quoted me $955.05. Last company was over $1400. Both policies are $1 million dollars each incident/$2 million general aggregate general liability. The new company exclusionary clauses include: "Assault & Battery Exclusion" "Oral Contracts Exclusion" I asked the agent and here is his reply: "Assault and battery exclusion says the policy will not pay damages arising from you or your employees beating up your customers. Probably not a very good business practice anyways." (DUH?) "Oral contracts exclusion says the policy will not pay if a customer sues you over a contract that was not in writing. Basically, get everything in writing." They're also going to charge me $52.50 per Additional Insured and Waiver of Subrogation endorsement. My last insurance company didn't charge for this, so I'll probably just build it into the contract if new customers want one. Current customers i'll probably have to eat the cost. Anyone else have these in their policy?