Insurance for multiple properties?

[Dustin Seager]

the Scenario:

We have an LLC, 2 long term rentals, 1 short term rental, 1 future short term rental about to undergone renovation. I have a general contractors and interior design license. I'm required to have liability insurance for my contractors license, and I'm wondering if there is an appropriate way to consolidate insurance.

[Tim Delaney]

Quote from @Dustin Seager:

Quote from @Tim Delaney:

Do you use a broker currently? Your best bet is to consult with a good broker that has experience with business insurance and RE. My gut says you probably want/need separate policies for the different entities at the very least - the purpose of having them is to keep things separate in case of a lawsuit, so combining insurance would pierce the veil and allow someone to come after everything.

 I do not have a broker, but feel like i can use one.

 I have used one for years. It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages. Plus they get paid by the insurance companies, so it's not like you are coming out of pocket for their service.