thank you for your responses.
i know for a fact that i can get it for less then 5 grand a year. at one time i had a 2 million gl policy for 400 a year. the problem im running into is the prime is saying we cant go anywhere else unless we do a bunch of things. such as incorporate. among some other things. the other thing that concerns me is we have not seen a piece of paper that our policies cover. i am told that they are being sent to us. but we will wait and see. if there is a bunch of redtape to acquire gl and wc on my own thats fine. i jsut wish i could get a copy of the policeis to see what i am covered under.