Why will some insurance carriers not insure me because I do video production?

I get this question a lot. Here we go... Principle 1 - An insurance company sets the annual premium amount for a policy bases on the risk exposure for the type of business it is insuring. A gas log fireplace installer has a higher risk exposure than a florist, for example. The gas fireplace installer expects to pay more for insurance than the florist. Principle 2 - An insurance company may choose not to insure some business industries (Business Industry Classification also called "SIC") for one or both of the following reasons. 1) They don't understand the risk exposure they are assuming so they simply choose to say "no". 2) They understand the risk but they don't know how much to charge for

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