Talk to a broker. I've always used http://www.pacifichealthalliance.com/contact.html http://www.pacifichealthalliance.com/contact.html for personal and my previ

Talk to a broker. I've always used http://www.pacifichealthalliance.com/contact.html http://www.pacifichealthalliance.com/contact.html for personal and my previous startup's insurance needs (I'm not making any affiliate or any profit from the above, I just know he's a good guy who understand tech startups)