I just went through a new cycle with a major corperation. My contract was $25,000. I had to have $1,000,000. workers comp, general liability, and auto. I was able to acquire the policy for $1000 without the workers comp. The same policy five years ago was $350.00 but didn't cover auto. I didn't need the comp since the two employees of the company are owners and comp is not required.

Product liability would cost me $5,000. I feel I should have it, but can't afford it at this time.

We are in Arizona, if this helps.