Torvy
Super Member
Insurance is a tricky thing. Price can often come back to bite you in the hindquarters. We got an umbrella policy from our agent who does our house and car. We have been with the same company for over 30 years. They are not always the cheapest, but when we needed them for a claim, it has been all good. We have lived in a few states and they have covered us wherever we lived. I am pretty sure they provide coverage in all states, if you get my meaning.
It is very important that you keep your personal and business insurance loans and such separate. If you get in an accident using your personal vehicle for a business the insurance may not cover it. If it is totaled, and you may find yourself with a vehicle loan due in full and no cash with which to cover it. Business loans and business insurance are both more expensive (typically) than personal, but you don't want to be caught on the wrong side of it. (in a previous life I made loans for autos and small businesses, including ag loans).
It is very important that you keep your personal and business insurance loans and such separate. If you get in an accident using your personal vehicle for a business the insurance may not cover it. If it is totaled, and you may find yourself with a vehicle loan due in full and no cash with which to cover it. Business loans and business insurance are both more expensive (typically) than personal, but you don't want to be caught on the wrong side of it. (in a previous life I made loans for autos and small businesses, including ag loans).