SkiChristian,
Al Fellerman Insurance I think covers alot of us here. They charge $95 a year, from April 25th to April 25th, not retroactive.(meaning you sign on in May...it still only covers till April 25 of the following year.)
Coverage is as follows from this
General Aggregate Limit..$2,000,000
Products-Completed Operations Aggregate Limit
$2,000,000
No Personal & Advertising coverage
Each Occurance Limit $2,000,000
Fire Damage Limit (any one fire)$300,000
Medical Expense Limit (any one person)$10,000
This has been planty for us to secure our jobs as well as to settle the Fire Department concerns. Let's face it $95 bucks a year for $2 mil in coverage isn't bad at all. It is on a per person thing though, it doesn't cover companies in full...so Prom, Apollo and I all had to file seperately..which is fine. There is also no advanced premium on this. They are licensed or whatever to provide insurance in all states they said. (looking over paper to see if I forgot anything). They also work in a timely fashion. I received all my paperwork back in a week so that I could send it right out to venues.
BTW, many thanks to Jesse who pointed these people out to me. 
Hope this helps you SkiChristian.
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Pele
Higher, higher burning fire...making music like a choir...