You do pay a touch more than if you went straight to the same company, but having someone you can actually discuss things with is well worth it, IMO.

So, first, I’d be very careful with the coverages you’re putting in as well as how you answer questions. My recommendation is to find a local independent agent. They write for multiple companies and can do a lot of the shopping around for you. You’ve also got a knowledgeable professional you can go to and ask questions.

From what you’ve described, you’re going to need:

• General Liability
• Commercial Auto
• Inland Marine (for your equipment)
• Commercial Umbrella (not strictly necessary, but always recommended)

As far as price, there’s a lot to consider and nobody here will be able to provide anything about their premiums that will matter to you. If this is a new venture, you’re going to be paying more and may just have to bite the bullet. A lot of the companies that offer nicer prices won’t insure new ventures for specific business types. Each company has their own appetite for different kinds of commercial risk.

Uhh, a few things here:

1. If you’ve got different teams across continents, I’m not really sure this is a “small business” question anymore.
2. Labor laws? Labor laws protect employees from employers. I can’t think of a single labor law on the planet that limits how much an individual wants to work across different jobs. Granted, I’m not a lawyer, same as you.
3. Your metrics for this are all subjective. Increased fatigue? What does that mean? You caught him yawning? Is he falling asleep at work? Diminished interest in virtual social events? Are you forcing employees to go to mixers on Zoom or do you mean that he looks bored in meetings? FYI, meetings can often be boring. Especially extended ones that happen way too often. Bottom line, is this you being a micro-manager or are people coming to you with complaints?

This doesn’t sound like a small business that’s having trouble navigating a situation. This screams big business trying to fuck over an employee. The kind of big business that thinks they own their employees. There was no question about what can be done to resolve the situation. There was no concern for why. Your question was how do I get this person fired. Maybe it’s justified, maybe not. Either way, I don’t think this is the right place to ask it.

P.S., You sound like you’d be a nightmare to work for.

I’m in my early - mid thirties. My favorite games tend to be story based games like TLOU. If time is short, Hades is always a crowd pleaser.