$750 for my last policy for 2 mill in coverage my state requires min of 500,000 to bid work. So $4300 sounds nuts unless your doing something crazy dangerous. The insurance companies around here categorize flat work guys along with masons. My argument is that Im never more than 6 inches off the ground and yet here I am 23 years later and that has never changed. This will be the next place for insurance companies to rape small businesses