I just got done writing a $3400 check to Selective for workman's comp. They explained to me it costs that much because we use power tools. The saw was the major factor, but even the power drills we use to drive screws figured in. Use of power tools puts us (at least according to them) in the same category as a light industrial company. Does anyone use an insurance company that defines the risks for picture framers more accurately than that. If so, what kind of rate are you getting?