Thanks. The issue right now is not so much trying to save money, it's trying to actually get insurance in the first place. My broker went to multiple companies and non of them accepted, which lead me to find an online company which gave me two quotes, $9700 for one and $4900 from the other (through a different broker). This was a few months back. I went to renew the quote and now they are asking me more questions and giving me the feeling that it will either be much more expensive than $9700.....or won't insure me at all. We will see what they come back with today. I am submitting for quotes from multiple insurance companies, that's my sole task for the day, so hopefully I find something. The reason I asked about General Contractor stuff is just because the insurance company was really pushing for it it seems, so wanted to get familiar with how that works.
I think these set of questions is basically what is the main determinant on getting a policy and how much it would be. The screenshot is how I answered these:
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