A local commercial contractor was paying $17,734 a year in insurance coverage. After consulting Palmetto Moon, the contractor is not only saving $910 a year but also has increased coverage that protects his business even if sub-contractors do not have proper coverage. Palmetto Moon may be saving the contractor only a small fraction per year in premiums, but the potential long-term savings on liability if something should happen with a sub-contractor who is not properly insured could be significant enough to mean the difference between his business thriving or failing.