Yah exactly.. I think we pay something like $5k a year for insurance all around.. the more you make, the more they want to insure you! Workers comp is by far the most expensive. And since most Gen Liability plans don't go over 1mil/2mil limits if you need more then you have to buy another policy at full price too and just add em together.. not sure how that works out but I certainly don't want to ever find out who is gonna pay if I needed more than 2mil in coverage!.. Luckily the only "accidents" this year are a broken car window( thrown rock) , broken store front window(store employees left debris-they paid) , and 1 car accident, cop ran a stoplight, lights and sirens and caused a multiple car accident from slamming on the brakes. ( My foremen tapped the guy in front of him, 15k lbs don"t stop in 20 ft) can't blame him for that. But the insurance company will and make you pay your deductible even though they aren't found at fault.. go figure!