Sean,You are now seeing the reason I recommend you contact an Independent Insurance Agent (one who represents multiple carriers). 

If we get sued, it is the insurance carrier’s battle at least as much as it is my battle because unless it goes over our coverage limit, the insurance will be paying it.We have never been sued in RE but we are threatened with suit often (many times a year).  

It's been a volatile year for real estate professionals, investors and owners alike. Most of us are familiar with the main headlines of rising mortgage interest rates, and industry upheaval, but lesser known investmen...

Annual profit and loss statements (P&Ls) past 3 years minimum (5 years preferred) At least one year monthly P&Ls (preferably two years) Balance sheet (3 years) Rent Roll including term, deposit, and payment history Tax returns- 3 years Insurance: Insurance Policy; including all riders, risk assessments, and disclosure affidavit for carrier All Existing Loan Documents: including notes, deeds of trust, closing statements, title policy, rate riders, etc., and contact names and numbers.

We learned you can check these numbers by dialing our personal cell phones, but this is far from a perfect solution since we are only checking none carrier at a time.Signed up for caller ID reputation… didn’t work so well.So the golden question; is there a better dialer we should be using, for our size AND provides a number checking spam feature?

That would be a deciding factor.I would suggest $1M in Liability limitsOne thing to note - American Modern is an insurance carrier like All State, State Farm, etc. 

I then sent the NY State Inspection to the Town & my Ins Carrier. 

Most carriers see this as a maintenance issue if this is the result of your situation.  

@Michael Carrier - Look up Joette Trinh with Trinh law.  

Jason, I would also add most insurance carriers will not insure a foreign entity.