We are with
Insurtec, i have never had a claim so its hard to say how they would handle it, i did ask them what the most common claim is in this industry i was told it is "voyerism" wow i expected so many other things, slip and fall or maybe overexposure etc. it does say with peeping toms being the biggest claim that as a whole we all don't get alot of claims. If u don;t own your building see what your landlord requires, its usually 500 to 1 mil of
liability. I had upped to that this year and my rates went down, so ask what price points of coverage gets you the best premium break, they do have big breaks when u get into coverage limits etc. i think i pay just under 2G a year i hope this helps.