I just had this conversation w/an insurance broker. He said in Colorado that the 1-person business coverage CANNOT be charged at a higher rate than the multiple-person business coverage. The only caveats being that I have to apply for insurance coverage through TVOG with 30 days of my birthday, I must have been in business for at least 1 year, and TVOG must be my primary 'job.' My current insurance rate for myself and my hubby is approx $560/month. My employer pays $209/month toward my insurance and I cover the balance of the cost myself so it won't be as painful for me to switch to covering the entire amount through TVOG. The key, he said, is that I apply for the coverage as a business, not an individual.

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Lily Chambers, The Virtual Office Goddess, LLC
Author "How to Do Your Own Small Business Bookkeeping"