American Specialty has a simple online tool for quotes. I'm in CA. 24/7 seems fine with them as long as you get waivers from everyone coming in and have a no alcohol policy. My quote was very reasonable... under $2400 with coverage for equipment, TI's and lost business included. This is one of the few insurance providers that seems to understand this business model. Everyone else I've talked to seems like I've got a square peg for a round hole when I explain the business. Am Specialty is not a carrier, but a purchasing group where you join as a member for $200 per year. They use their large membership to get better rates for small businesses through A+ carriers. Arch Insurance was listed on my quote.