Thanks for my reply about the insurance. I wish I could get the insurance with RLI, but he asked what was in my soap, I never dreamed that goat's milk would be such an issue with them, but apparently it is. My homeowner's insurance is State Farm & they said they have nothing under $600-700 a year. I have tried & tried with other companies. The only choices I seem to have at this point is the Guild & Indie - both are around $500. I'm glad you got RLI to insure you, be thankful!