What I Learned Placing 200+ GL Policies Last Year

An independent insurance agent shares hard-won lessons from placing over 200 general liability policies across dozens of industries in a single year.

From the Field | 7 min read | 2026-03-28

After placing over 200 general liability policies in a single year — across construction, tech, restaurants, and everything in between — I started noticing the same patterns. Here's what I wish every business owner knew before they bought GL coverage.

I placed my first general liability policy in 2019. It was a small landscaping company in Southern California — $1M/$2M limits, pretty standard. The owner had been paying $4,200 a year through a captive agent who never shopped the market. I got him the same coverage for $2,600. He almost didn't believe me.

In This Article

• Why I'm Writing This
• The Price You're Quoted Depends on Who's Quoting It
• Your Classification Code Matters More Than You Think
• The 'Additional Insured' Trap
• Loss Runs Tell the Real Story
• Minimum Limits Are a False Economy

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]