Take the tour ×  We're starting a small business that will
provide services locally. How do I determine what type of and
how much Liability Insurance I need?  share|improve this
question add comment  3 Answers  up vote 2 down vote accepted
Talk to other similar (successful) businesses in your area and
find out how much they carry. Talk to your attorney and ask what
they recommend. Check with your local county/city/state and find
out what is required as a minimum.  Between those three you
should be able to home in on a good estimate.  share|improve
this answer Also, an insurance broker can help you shop against
multiple insurers and they have exp. with this type of question.
–  Michael Pryor Jan 29 '11 at 0:48 Brokers are good for getting
the best price, but usually still have a financial incentive to
sell you more than you really need (note: usually). If you can
find a broker for a flat fee who doesn't take commission from
the other end, then yeah, that would also be useful. –  Russell
Steen Jan 29 '11 at 2: