Insurance rates variance

[Stubborn66]

Good Morning,

I apologize if this is off topic for this forum

I am small garage operation with a rollback and a wrecker.  I was recently looked into supplying a customer with a "certificate of insurance" listing them as an additional insured to become a primary call in my rural area. 

When I asked my insurance agent for the certificate I was told that I would need to change my policy to a contract tower and that my insurance rates would at least double.  I asked my agent if I was covered to take these calls without having a contract and they said "yes", I was covered to take any calls from anyone, the contract was what made the difference.

 

Then I got a rate from another company for 12K per year, which is about triple what I pay now.  The other thing I noticed is that only one of the companies I shopped the insurance through asked about how many calls per month I did.

 

Has anyone else run into this?  Does it make sense that rates would be so much different over the certificate when my insurance would be first in line for a claim on my operation anyway?