Insurance quoted me $4500/yr for GL on my handyman biz, thanks Travelers

Just got hit with a $4500 annual premium for general liability insurance through Travelers because I do a lot of ladder work and minor electrical fixes as a handyman. Thought it'd be cheaper since I don't touch anything major like HVAC or plumbing, but nope, they jacked it up. Now I'm second-guessing if I should just drop it and take the risk on small gigs.

don't skimp on GL, i saw a buddy get sued over a loose shelf he installed and it cost him his truck. stick with it.

fuck these insurers, they raise rates every year while claims go nowhere.

handymen don't need full coverage, just basic stuff for ladders and such. fight 'em on the quote.

been insured 10 years, no claims, and it saved my ass twice on minor slip and falls.

customer called at 2am because her cat knocked over the shelf i fixed, insurance covered the laughable claim.

we're all getting screwed by these rates, time to union up or something.

anyone know a cheaper provider than Travelers for handyman work?

GL is non-negotiable for me, paid off big when a client tripped on my extension cord.

i hate how they lump us handymen with full trades, rates should be tiered better.

shop around on sites like Insureon, saved me 20% last year on my policy.

same boat, my premium doubled after one small claim on a door install.

SharkBite or not, insurers don't care, they just see 'handyman' and hike it.

bundled my auto and GL together, dropped the total by $800 easy.

client ghosted me after a botched paint job, but insurance handled the dispute fine.

haha, my first claim was for a 'haunted' toolbox that scared the dog.

ever try going bare? risky as hell but some solo guys do it.

get a higher deductible to lower the premium, works for most of us.

we're getting raped by these companies, especially with all the lawsuits flying.

my rates went from 2k to 4k in two years, insane inflation.

joke's on them, i do most jobs under the table now lol.

that one time a ladder tipped and i ate shit, coverage paid the ER bill.

add umbrella policy on top, it's cheap peace of mind for handymen.

feels your pain, been nickel and dimed forever.

how do you guys handle subby work without your own policy?

clients in my area demand certs now, can't dodge it anymore.

insurers are the real crooks, jacking prices while we bust our asses.

i've got 15 years claim-free, still paying through the nose.

dropping coverage after one bad year, gonna self-insure small stuff.

proud i negotiated my rate down 15% by shopping quotes.

hit 20 years in the game, insurance is just another tax now.

frustrated as hell, one false claim and you're blacklisted.

yeah man, totally get the squeeze on premiums.