JonLudwig

Hello Joe and all, Good points by all. Several points...Cardinal Insurance did offer a Trust for CI in upstate NY. It did go bankrupt and members did have to pay for losses. It took 3 years to get them paid off. So listen to the sales pitch when they say you could be responsible for future losses. Also, If every shop had to pay it would be competitive. We have many small shops that are "under the table" or Minimum wage with a portion under the table. It would be easy for our state to reconcile this. I have an 8 bay shop with 2 to 3 SA at any time. Same problem. I just left the Service Station Association due to high cost. Erie was able to save $2000 per year. That is taking a rebate into account also. So, do shop around yearly for CI and all other business insurances. I think the strategy is to sell it at cost the first year and then increase it slowly .