How do I separate my home insurance needs from my business insurance needs? It is important to separate the property and liability issues of each. You may have used personal dollars to purchase business furniture and equipment, but it is still considered business property. Does my Homeowners policy cover my business? There is very limited [...]
Jun 172010
Jun 172010
How does General Liability differ from Professional Liability? General Liability is referred to as “trip and fall” insurance. Professional Liability covers errors or omissions, malpractice, and association professional liability issues. A General Liability policy excludes professional liability and vice versa. What insurance do I need to attract board members and protect them? Directors’ and Officers’ [...]
Jun 172010
How does General Liability differ from Professional Liability? General Liability is referred to as “trip and fall” insurance. Professional Liability covers errors or omissions, malpractice, and association professional liability issues. A General Liability policy excludes professional liability and vice versa. Do I have a Professional Liability exposure? Do you provide a professional service? Could you [...]
Jun 172010
What insurance am I required to carry by law? A corporation in Virginia with three or more employees must carry Workers’ Compensation. All officers count in that number. However, you are responsible for the work related injury of even one employee. A corporation in Washington D.C. and Maryland must carry Workers’ Compensation with one employee. [...]
Nov 212009
When two young girls in a VW Bug race into the parking spot that Kathy Bates was waiting for they Gave her a look and said “younger – faster”. Kathy Bates deliberately hit and pushed their car out of the space, causing considerable damage and said “older – more insurance”. P.S. Insurance does not [...]