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My minimum is $2000 a year, no matter what I pay $150 a month and then at the end of the year I pay an additional $200 renewal fee or whatever they decide to call it. My policy is through the local homebuilders assn.
This is my situation as well. Before I joined the HBA I was paying twice as much. It was killing me!
Joining my local HBA was one of the best things I've done for my buisness, Besides joining this board.:clap:
 
Had a friend helping out for a few days and the first day he was there he fell off a ladder and shattered his ankle. I had ZERO issues with my coverage. They covered his medical expenses no questions asked except a drug test (duh). Thankfully my premiums didnt budge even though I havent had the insurance that long.
 
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