tiedeman, I think u got that switched around. I pay $800 thru safeco for 1mil liability and $2400 for $35,000 for work comp thru Amerisure. You need to check that. Your best bet is too shop around and have a slip of paper that shows what the insurance carrier covers and for how much. I'd shop around.. I did with my vehicle carrier and got very good preminiums. Other told me 1400 to 2200 for year full coverage. And I got it for $1260 a year. I had a walkbehind stolen from my garage and my insurance company give me more then what I was expecting. 96' model 48" Ferris and I got $1800 clams.. And that was in Sept. of 2001 SHOP AROUND.