Ok my insurance man just called me again, the insurance he quoted me was for liablility not product liability well heck, if i understand this correctly in my opinion that is bascially worthless, i told him to check into the product liability cuz i just wanted to see how much it cost and i think thats what i need NOT liability. he suggested i go talk to my atty too. He also stated thats the difference between an LLC and a corporation. He also mentioned its going to be sky high. I guess I will find out huh. Oh yea, he also said I should have disclaimers on all products but should check with an atty I started working on insurace a couple months but backed off it cuz I wasn't selling to the general public at that time and still not but reading all the insurance questions on the board lately I figured it would take awhile to sort it all out to figure out exactly what was going on......sigh,,,the wonderful world of insurance and attys, I suppose I am not too bad off my best friend is an atty and my insurance man is another but damn, every time you turn around its another huge expense. ETA: SO-SOY is this for product liability ? or just the liability ?