General I fucking hate insurance companies, I think ours killed our company

So State Farm came through, double the coverage, a separate policy for my wife and I as well for the building. That became an issue with the woman who cut her foot, she sued our business and us since we own the property and lease it to the corporation. Since we are directors of the corporation our previous insurance covered us personally in the lawsuit. It was a stressful couple of weeks before they decided they would cover us.

Previous policy was 1 million with a 2 million aggregate. Now we have 2 million with 4 million aggregate. One policy for the business and one policy for us. With the separate liquor liability our yearly premium is going to be 6200 versus the 7900 we paid last year. Could have saved another 600 dollars if we stayed with 1/2 million but after what we went through, I want the extra coverage.
Independence Day Summer GIF
 
So State Farm came through, double the coverage, a separate policy for my wife and I as well for the building. That became an issue with the woman who cut her foot, she sued our business and us since we own the property and lease it to the corporation. Since we are directors of the corporation our previous insurance covered us personally in the lawsuit. It was a stressful couple of weeks before they decided they would cover us.

Previous policy was 1 million with a 2 million aggregate. Now we have 2 million with 4 million aggregate. One policy for the business and one policy for us. With the separate liquor liability our yearly premium is going to be 6200 versus the 7900 we paid last year. Could have saved another 600 dollars if we stayed with 1/2 million but after what we went through, I want the extra coverage.
Does this mean free tater tots for the forum?
 
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