I also carry 1 million liability through Westfield with an additional equipment rider. My policy runs $667 per year. About 2 years ago someone stole $2500 worth of hand held equipment while I was working in a back yard. Westfield had a check in my hand in less than a week. Before the claim I was paying about $300 per year for the same policy. I don't mind paying the increase when I know my insurance company will work quickly to settle my claims.