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First, an update on my search for insurance. I now have a business insurance agent helping me, and have filled out an application for a "claims made" E&O policy. The initial vetting conversation was, er, interesting. He asked if I think I know enough ...

Ryan, I've had many businesses over my career. If you are in business for yourself you must have general liability, regardless of what type of business. Without it you're open to many potentially bad outcomes. And, as Torrey pointed out, professional ...

My Professional Liability carriers have always required an underlying General Liability policy. The GL has also always been siginficantly less expensive than the PL. Many exclusions from GL are covered in PL, as GL policies are designed primarily for ...