I'm an officer for the Dam Road Owners Assn. and we've seen a steady increase in our liability policy.  Our association has 21 members and the road is about a mile long.  Last year it went up $80, from $570 to $650 and this year it went up another $146.  It's now $796.    It's through Liberty Mutual and we've never filed a claim.    Are other paying this type of premium?   If your premium is less than this, could you please share the company you use.   Thank you! 

We are a nonprofit association with 29 members and about 1 1/4 miles of road.  Our association has 5-6 board members plus the president.  We paid last year $1191 to Liberty Mutual.  The increase has been 10% and 14% the last couple of years after a small decrease.  Our association had a suit that went to court which Liberty did cover the attorney fees.

our assoc consists of 1 mile of road and 46 members.  Our insurance costs are ~1000/year