This will include property coverage, personal property coverage and property liability along with many other coverage items.

Short term rental insurance is very similar to long term rental insurance in terms of the coverage items you will want to have.

Does Dad have coverage? 

Their policy includes a Waiver of Subrogation in your favorYou also need to discuss with an Agent familiar with Day Care coverage what types of coverage you need to require as part of the lease:- General Liability- Professional Liability- Abuse & Molestation coverage- Workers Compensationare some that your attorney & agent may recommend

Your time is money and calling 5 companies is a waste of that "money" when you can have someone else do it for you and bring the option that will provide the most coverage for the most cash flow, to you. 

So if you contribute 6k to a roth for 22 years until age 40, then you could likewise withdraw 6k per year for 22 years until age 62 to supplement any additional income (or simply withdraw all 132k all at once or any combination you want).  6k for 22 years at a 10% rate of return means a balance of 428k dollars at age 40. 

Along with some new quotes, I'd like advice on what we can do away with to get our policy cost down without putting my partner or myself at personal risk.Here's some info on the property:- Purchased in December, 2021- Single Tenant NNN Lease- Current liability coverage is $2mm (capped at $1mm per incident) with a $10,000 deductible that also covers myself and my business partner- Property coverage is $5mm with a $25,000 deductible- Our policy shows that we have replacement cost coverage on the building, although the stated amount is $1.39mm.

They are one of the few big insurance companies that have what is called "home share coverage".  

Account Closed, you mentioned Supplemental Income.

I am looking for an umbrella policy to supplement my individual property policies.