Definitely some great regional carriers with flexibility on this.

There will be a premium audit at the end of the year where the insurance carrier will tally up all uninsured payroll and bill you for it. 

If they are "bug carriers," they will be responsible for their extinction and the security deposit can be offset if they fail to do so. 

What carriers do you recommend?

Cyndie,We have over 3 dozen Insurance carriers or programs and all have been and continue to be open for business.

Depending on the carrier, the Building Personal Property is automatically calculated as a percentage of the Building Value.

Some carriers won't go beyond $500k or so on the liability and then they'd really like for you to get an umbrella policy on top of that. 

My insurance broker is recommending that I get additional coverage with another carrier to get up to $300k of liability coverage.

I found this on google: “Addressee Not Known (ANK) - this is usually placed on mail pieces by the carriers who receive delivered mail returned from customers stating the individual isn’t known or doesn’t reside at that address…”So that’s why it wasn’t delivered to her.

A good independent agent will have several carriers that one should have a product for your.