California-Increasing exclusions - choosing an insurance broker

[Maria Teo]

Earlier this year, I was informed that personal liability is being excluded from my new business policy which as a SF landlord I've been told I should always get. Of course if all underwriters are excluding this I guess I have no choice. 

With an ever growing list of insurance exclusions and increasing rates - am I the only one wondering what I'm paying for?

For those of you in the SF/Bay Area what are the must have coverage for multifamily  and mixed used commercial buildings?

I've been with the same broker for years. How do you know if your current broker is still the best option or if it is time to switch?

Is it okay to shop your building with several brokers before setting on one?

And how to manage the switch over if you do choose to change brokers? My buildings have different renewal dates if that matters.