Hello, We covered that topic in Jonathan's thread but I think this deserves its own spot. I think a lot of us forget about this step and once you hit that 5-10K mark, I think it is time to think about the policy. 1. What insurance are you using (name of the company) ? 2. How much (monthly/annualy) ? 3. Are there tiers or there is only one fixed amount ? Please be as specific as you can.