# Who You Using for Your Liability Insurance? **URL:** \ **Category:** Selling on Amazon\ **Tags:** small-business, insurance, need-recommendations\ **Created:** [October 12, 2025, 8:15pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586 "2025-10-12T20:15:34Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![casbboy](https://sellersasksellers.com/letter_avatar_proxy/v4/letter/c/eada6e/32.png) [@casbboy](https://sellersasksellers.com/u/casbboy)\ **Post date:** [October 12, 2025, 8:15pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/1 "2025-10-12T20:15:35Z")
I was using State Farm and it was fine, but they were such a nightmare on allowing me to pay while overseas that my policy lapsed (not the end of the world, just have to re-do it), and now I’m wondering if I should be shopping around since my policy premium is nearly double what it was. Who you guys using as your insurance to keep Amazon happy? I have zero employees and no company vehicles. Just a local warehouse where the work gets done and product is held. Cheers! ---
**Author:** ![dwat0870](https://sellersasksellers.com/user_avatar/sellersasksellers.com/dwat0870/32/5233_2.png) [@dwat0870](https://sellersasksellers.com/u/dwat0870)\ **Post date:** [October 12, 2025, 8:50pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/2 "2025-10-12T20:50:55Z")
I asked my Allstate rep about it and after a couple rather clueless discussions by one of their associates found out they go through an ‘affiliate’ relationship with The Hartford. I’m not thrilled with the costs but some is my fault since I have to adjust some things that I no longer sell or manufacture. Once I get that off the cost better go down! ---
**Author:** ![casbboy](https://sellersasksellers.com/letter_avatar_proxy/v4/letter/c/eada6e/32.png) [@casbboy](https://sellersasksellers.com/u/casbboy)\ **Post date:** [October 12, 2025, 11:05pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/3 "2025-10-12T23:05:06Z")
I just did Next Insurance, which was the most recommended by ChatGPT. Weird, I was able to boost my property coverage, of which I had little with State Farm, and it was still about 40% less than State Farm was. ---
**Author:** ![LR72](https://sellersasksellers.com/user_avatar/sellersasksellers.com/lr72/32/230_2.png) [@LR72](https://sellersasksellers.com/u/LR72)\ **Post date:** [October 12, 2025, 11:14pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/4 "2025-10-12T23:14:47Z")
I use Next also - I found them originally through the Amazon links. It’s been fine, easy to renew and update what Amazon wants. ---
**Author:** ![casbboy](https://sellersasksellers.com/letter_avatar_proxy/v4/letter/c/eada6e/32.png) [@casbboy](https://sellersasksellers.com/u/casbboy)\ **Post date:** [October 13, 2025, 12:22am UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/5 "2025-10-13T00:22:46Z")
Yeah, almost felt “too easy”. I’m glad you responded as I was getting paranoid on how easy the sign up was (and the better price) ---
**Author:** ![Pepper\_Thine\_Angus](https://sellersasksellers.com/user_avatar/sellersasksellers.com/pepper_thine_angus/32/56_2.png) [@Pepper\_Thine\_Angus](https://sellersasksellers.com/u/Pepper_Thine_Angus)\ **Post date:** [October 13, 2025, 12:32am UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/6 "2025-10-13T00:32:38Z")
I’m with The Hartford. Might not be the cheapest (honestly haven’t shopped around in a long time), but they had my back HARD during a frivolous situation and took care of the situation, so I have some loyalty! ---
**Author:** ![casbboy](https://sellersasksellers.com/letter_avatar_proxy/v4/letter/c/eada6e/32.png) [@casbboy](https://sellersasksellers.com/u/casbboy)\ **Post date:** [October 13, 2025, 3:17am UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/7 "2025-10-13T03:17:46Z")
Oooh! willing to tell the story (or DM me) ---
**Author:** ![Pepper\_Thine\_Angus](https://sellersasksellers.com/user_avatar/sellersasksellers.com/pepper_thine_angus/32/56_2.png) [@Pepper\_Thine\_Angus](https://sellersasksellers.com/u/Pepper_Thine_Angus)\ **Post date:** [October 13, 2025, 12:47pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/8 "2025-10-13T12:47:56Z")
The other party is very litigious and doesn’t believe in freedom of speech for anyone but themselves is all I will say ---
**Author:** ![Image](https://sellersasksellers.com/user_avatar/sellersasksellers.com/image/32/55_2.png) [@Image](https://sellersasksellers.com/u/Image)\ **Post date:** [October 13, 2025, 4:05pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/9 "2025-10-13T16:05:13Z")
We use State Farm… However, we have been with them for many years, 40 or so. We have some very large umbrellas with them. Allowing us to work on site at very important locations. I will say they **do not want** customers that have claims. ---
**Author:** ![papy](https://sellersasksellers.com/user_avatar/sellersasksellers.com/papy/32/7639_2.png) [@papy](https://sellersasksellers.com/u/papy)\ **Post date:** [October 13, 2025, 6:05pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/10 "2025-10-13T18:05:39Z")
> [@casbboy](#): > > Yeah, almost felt “too easy”. I’m glad you responded as I was getting paranoid I was feeling anxious on your behalf, too, until @LR72 replied! 😅 It’s been so many years since I shopped around myself, that I haven’t heard of Next (or at least, I don’t _remember_ hearing about it lol). I too have used Hartford, and like @dwat0870 I believe that our main insurer contracted out to them or outsourced small business insurance their way. BUT I do remember that the right insurance fit–both in coverage and cost–depended heavily on the Seller’s specific products and those products’ possible liability. For one example, once I stopped carrying toys, I had more insurance options at my preferred price points. Iirc, selling _anything_ ingestible (which @casbboy I know is NOT something you recommend for your home goods 😆) or with expiration dates would add costs and coverage limits, for small operations. ---
**Author:** ![Best\_Handmade\_Soaps](https://sellersasksellers.com/user_avatar/sellersasksellers.com/best_handmade_soaps/32/3121_2.png) [@Best\_Handmade\_Soaps](https://sellersasksellers.com/u/Best_Handmade_Soaps)\ **Post date:** [October 13, 2025, 7:39pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/11 "2025-10-13T19:39:34Z")
Keep in mind that companies like State Farm and Allstate are captive companies meaning their agents can only write insurance for one company. A broker, an the other hand represents several companies and can generally taylor your coverage to your risk better as they have more options for the risk they are writing. I used to write underlying coverage with one of my main carriers and then write them a 1 or 2 million liability umbrella with Cincinnati Insurance which only cost about $100 a year back then - I’m sure it’s more now, that was in the 80’s. Next is a broker who has wide resources so that’s why some people can get better coverage than using a captive agent. Look for an Independent Agent as they usually have contracts with more companies and can get you a better deal. -Ana ---
**Author:** ![casbboy](https://sellersasksellers.com/letter_avatar_proxy/v4/letter/c/eada6e/32.png) [@casbboy](https://sellersasksellers.com/u/casbboy)\ **Post date:** [October 27, 2025, 11:30pm UTC](https://sellersasksellers.com/t/who-you-using-for-your-liability-insurance/6586/12 "2025-10-27T23:30:34Z")
I’m happy with Next and what they worked out. I literally have more coverage now and it’s almost 1/3rd what State Farm was charging me.