Im starting to get into jobs that customers want that would require me to have some type of excavating insurance. I been trying to take just small jobs in areas I know nothing is around to tear up or dig into. What can I expect to pay for insurance a year for skid steer work. I though I have seen the number of $2,000.00 a year pop up on here before. Is that about as cheap as it gets? Is there any type of insurance I can get for just part of the year? I prefer to take the bad monts off.