Liability insurance

[Brian Duff]

In the Annapolis area we are required to carry 3 million in liability insurance, plus workers compensation. We are also required by every marina to name them as additioanal insured, which costs an extra 500 a year to have the ability to keep writing those certificates.

My insurace bills run around 5k for Liability, 15k for workers comp, and then there is the cars/trucks and office equipment too....thats per year.

Insruance bills are a big part of the reason we have to charge $90 per hour....