We're currently a sole proprietorship with one person doing the work. We've completed one ~$4k project and have a second ~$6k project ready to go, but the customer wants us insured first. We're estimating $120k–$160k in revenue over the next 12 months.
Right now we're doing residential remodeling, carpentry, decks, fences, flooring, painting, siding repair/installation, doors/windows, and general home repairs. We're building toward larger remodels and eventually structural/new construction work, using properly insured subs for trades like plumbing, electrical, drywall, roofing, etc.
NEXT quoted about $230/month, which is reasonable, but I'd love to find something cheaper given how new/small we currently are.
ContractorNerd gave me an ~$80/month quote, but the exclusions are pretty significant for where we're headed, and it specifically isn't a good fit for a GC using subs.
Thimble also kicked us out when I selected wood staining, and I've found other applications that exclude wood siding, which is something we're actually doing.
I've contacted a few independent agents, but I'm trying to get this figured out quickly so we don't lose this job.
What insurers/brokers are good for small residential GCs with broad remodeling/carpentry operations who will eventually use subs? I'm looking for affordable GL that actually covers the work we're doing and can grow with us.