Ask HN: Best insurance rates for startups?

[ianthiel]

Our startup is finally reaching the stage where we're required to carry general liability and workers comp insurance. We're finalizing our incorporation this week and wanted to ask what companies/services you guys use for the lowest rates?

Are there other things to consider besides just rates?

If there's anyone else currently going through this process, I'd love to start a discussion.

Here are some tips we can give thus far:

1. If you're a social networking tool/platform, and/or anything used by those <18yrs old, expect to pay more.

2. If you don't fall into #1, make it very very clear that you are not an "internet company" and your company only deals with those 18+

3. Begin thinking of these things earlier rather than later (ie pre-launch). Rate increases as you grow are small than the difference between a 2 employee initial rate and a 10 employee initial rate (can anyone else confirm this finding?)

Any other tips are greatly appreciated, and best of luck to anyone else launching this summer!