Ask HN: Best insurance rates for startups?

Our startup is finally reaching the stage where we're required to carry general liability and workers comp insurance. We're finalizing our incorporation this week and wanted to ask what companies/services you guys use for the lowest rates?

Are there other things to consider besides just rates?

If there's anyone else currently going through this process, I'd love to start a discussion.

Here are some tips we can give thus far:

1. If you're a social networking tool/platform, and/or anything used by those <18yrs old, expect to pay more.

2. If you don't fall into #1, make it very very clear that you are not an "internet company" and your company only deals with those 18+

3. Begin thinking of these things earlier rather than later (ie pre-launch). Rate increases as you grow are small than the difference between a 2 employee initial rate and a 10 employee initial rate (can anyone else confirm this finding?)

Any other tips are greatly appreciated, and best of luck to anyone else launching this summer!