Those opera signing commercials are the absolute worst. I think some of the Allstate mayhem ones are funny. The 16 year old girl who broke up with her boyfriend crashing in to cars in a parking lot was a classic.
I have a customer who's expecting me to have a policy with Commercial general liability limits of:
Each Occurence = $5mil
General Aggregate = $5mil
Products Comp/op Agg = $5mil
Each Occurence = $2mil
Aggregate = $2mil
Just to set foot into their building.
I talked to AIS, they just laughed, their words were "if you can find those limits, you will not be able to afford the premium" They know I'm a single proprieter.
I figure it's some young millenial in the office pulling these values out of their arse.
I swear to whatever non-denominational god that is listening I WILL SLAP YOU.
Oh damnit all to hell, now you've gone and gotten the Dalworth Clean jingle stuck in my head.
Truth hurts huh?
Also, why are there so many Dougs here? It's like the first shop I worked at. If you waited for the right people to gather you could shout BOB! and have 4 people turn their heads.
I have found over the years to just go to your local brokers for insurance. If you tell them you are shopping around, and you better be talking to at least 5 different because they will jack your quote if they think your not shopping around.
They will find you the cheapest price and my up charge is probably $2,000 a year for personal auto, commercial auto, GL, WC so it is well worth it. Especially when you need certs and special requirements for companies. A broker can get them added easily where you may need to jump through hoops to get it.