I'm in the process of renewing my insurance policies. I have a commercial building policy because I've never been able to get homeowners due to daycare (licensed for 16 kids).

In addition to commercial insurance I have a separate business liability policy which covers medical, accidents, sexual abuse...$1 million per occurrence and $3 million aggregate. I've been using a broker and thinking of doing it on my own.

Anyone licensed for 16 children with homeowners insurance? With what company?

What is the current recommended occurrence/aggreggrate for business liability and what company do you use?

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