I'm getting close to having to renew my commercial liability insurance for another year and need some opinions. I currently have insurance thru an independent agent here in town that uses NAUTILUS/TAPCO UNDERWRITERS. They gave me the best rate I could find when I originally got insurance. I carry $300,000 and it cost me $768.00 for the year. This does not include equipment which is a separate policy that is a minimum $10,000 coverage (nothing less, but no itemizing) for another $500 premium and $500 deductable per occurance. I've heard people getting better rates for up to $1 mil. Any help guys? Thanks.