Open Forum

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

Hi, Ellen.

I am an exhibit designer and I operate a Sole Proprietorship and an LLC (Partnership).

Anyone can get general liability insurance regardless of how their business is established. However, it is tricky to find insurers that are willing to take on small businesses, and independent contractors. For my sole proprietorship, one of the local State Farm agents was able to set me up ( Allstate was unable to accommodate me in my area, CA.)  A $ 1 million coverage policy runs about $400/year (I assume this will vary by local). Again, this is general liability, Professional Liability ( or Errors and Omissions) was a lot more. I also carry an Umbrella Policy, again $ 1 million per incident in coverage, and it is about the same as the General Liability policy annually.  In my experience, the general liability policy is enough for consultants, graphic designers, and other off-site workers. Sometimes I have to push back on the contract writers because they use default language that covers on-site construction workers and I have to convince them that the level of risk is completely different for an offsite consultant. Often they will waive the higher levels of insurance. Generally, they want to know that the subcontractor has the self-employed equivalent of Workers Comp insurance and General Liability policy covers that. 

Bart

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I've had a similar situation with a contractor who did occasional work for us but wasn't operating as an LLC. From what I've seen, a lot of people in this situation opt for liability coverage through platforms like insurance company , which offers flexible policies that could be a good fit for part-time contractors. They tend to be a bit more accessible than traditional plans and don't require full-time status or LLC registration.

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I am an independent contractor who has just been asked to supply my own liability insurance in order to be the dance mistress at an event; I want to thank you for the timely question! My State Farm agent just called me to say that State Farm does not offer this kind of coverage for me. (I'm in Illinois, the museum holding the event is in Ohio.) Any suggestions on which insurance companies do offer general liability policies for sole proprietors?

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I am an independent contractor who has just been asked to supply my own liability insurance in order to be the dance mistress at an event; I want to thank you for the timely question! My State Farm agent just called me to say that State Farm does not offer this kind of coverage for me. (I'm in Illinois, the museum holding the event is in Ohio.) Any suggestions on which insurance companies do offer general liability policies for sole proprietors?

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

I am an independent contractor who has just been asked to supply my own liability insurance in order to be the dance mistress at an event; I want to thank you for the timely question! My State Farm agent just called me to say that State Farm does not offer this kind of coverage for me. (I'm in Illinois, the museum holding the event is in Ohio.) Any suggestions on which insurance companies do offer general liability policies for sole proprietors?

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform. 

Hi, Vivian! You know, I checked with State Farm on my Personal Umbrella Liability, but I had NOT asked about my home insurance. No harm in asking, right? Thank you!

I am an independent contractor who has just been asked to supply my own liability insurance in order to be the dance mistress at an event; I want to thank you for the timely question! My State Farm agent just called me to say that State Farm does not offer this kind of coverage for me. (I'm in Illinois, the museum holding the event is in Ohio.) Any suggestions on which insurance companies do offer general liability policies for sole proprietors?

I am interested in learning about insurance options and/or liability waivers for contractors who are working onsite but are not LLC's and therefore are not eligible to purchase their own liability coverage. The example prompting this inquiry is a person who has a full-time job and does occasional work on weekends (approximately 4 times a year).

Any and all suggestions appreciated, including references to other conversation strings on this platform.