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We just hooked up with a local company to cover us with non-owned insurance that will basically cover our ass from any lawsuits if one of our drivers has an accident. The insurance does not cover the driver or his car, but simply our interests in the shop. Price was around 2500 for the year, but we are hooking up with a buddy of mine that has a shop and our insurance guy says we can run an umbrella coverage that will allow us to split the cost but gain the same non-owned coverage. Dont have exact numbers or company yet as he is putting it together for us this weekend, but its the best price ive been able to find. Will pass along any more info and ill find out if the guy wants any more business from it.