I got my insurance today. I had to because I got some commercial accounts. I know I should have done it sooner but after reading most of the posts on here, I was afraid I couldn't afford it. Well my friends, I got 1 million for $204 a year with Farm Bureau(sp?) AND it includes pest! Hey, 100k,200k is only $175 a year. I would encourage EVERYONE starting out to go get it. As I said, there is no excuse. If you're starting out, your volume will be low and it's cheap. Mine won't increase until my volume goes over 17k and as I said to the agent, we'll both be happy when that happens! Go get it.