Cost of insurance for climbing guides?

Can any independent guides share what you pay for liability insurance (or does anyone have a well-informed estimate)? 

I'm not looking to go into business or anything, I'm just curious and I like to think about numbers, risks, etc.

Around $2300 annually through veracity in 2020.

Thanks Kelty!

Short Fall Sean wrote:

Can any independent guides share what you pay for liability insurance (or does anyone have a well-informed estimate)? 

I'm not looking to go into business or anything, I'm just curious and I like to think about numbers, risks, etc.

The way that most forms of commercial insurance rates are determined are through group classification. In workers comp codes are assigned to job titles. Insurance companies, self insured groups send in data by job title often including payroll, accounts billable, recipes to a central organization like ncci. Then ncci compiles this information and assigns a loss cost to each job title. Insurance companies then multiply this number by their profit factor. Often shopping commercial insurance there is little pricing parity, so I imagine most guides regardless of insurance company probably pay similar rates per client.

TLDR I used to have a big book that told me how much people died by job code.