@Todd L.Foremost and Safeco are companies represented by independent agents, so you will want to goo on their website and find an agency that represents them in that marketplace. 

You should get in contact with an independent insurance agent in your area since thats a substantial potential cost savings.

But then of course they told you all these tragic stories and statistics.

You can also use them to educate sellers and have an independent party provide some information to help you help them understand what you are proposing.I have no affiliation with them. 

(I have been on your side on this issue and I know how frustrating it can be) Unless you have an independent contractor agreement that stipulates that he must work a minimum number of hours per week...in which case the contract will take precedence.  

@Jay Hinrichs  @Jason Gutierrez  @Hattie Dizmond Statistically speaking, only about 1 in 20 (or 5%) of our investor clients will take the time to fly/drive over to see our properties.  

Currently I hold a full time job as an independent contractor working in supplemental insurance, and I have always wanted to create a stream of income from rentals and other creative investing on the side.

Would be really awesome if BP could survey its members and provide some statistics (averages, standard deviations, etc...) on a variety of areas (i.e.

It's independent of my business insurance, and doesn't cover first-level property liability issues.

I am a buy-and-hold investor who prefers (and currently owns) stock and bond index funds to gain controlled market exposure, so my interest is really just in risk hedging and diversification—or potentially higher profits.My aim is to divert much of my income to investments that will help me achieve financial independence at a relatively early age, retaining a realistic perspective about cyclical market conditions, loss, risk, and expected returns.Thanks.