Does my work create potential Professional Liabilities? Consulting, Drafting, Designing, other services? Does having my clients sign a contract protect me from Professional Liability?
Do some clients require that I have Professional Liability Insurance?
Can I be held financially responsible for errors or omissions in my work? Can we assume that Professional Liability exclusions on general liability policies are fairly uniform?
Could the right insurance coverage help protect and prepare my business in case of Professional Liability claims?
Will our Umbrella or Excess Liability policy also include coverage that causes an extension of our professional liability insurance policy limits to a higher level ?
Are there issues I need to deal with concerning Certificates of Insurance?
Am I required to name my clients as additional ensured? Endorse my policies with a waiver of subrogation?
Am I required to endorse my general liability policy with an aggregate per project; to be primary and non-contributory?
What are the consequences to my business if an employee of my subcontractor is injured on one of my projects?
Is our General Liability coverage limited to activities on our Premises?
Are all entities that we do business under listed as named insured on our General Liability policy?
How do we verify that subcontractors have proper Liability insurance coverage?
What about subcontractors exclusion, subcontractors insurance requirements warranty, contractual liability coverage or pollution exclusion alternatives?
What is an Installation Floater and why would I need one? Do we have equipment that is subject to perils in a variety of locations?
Would my property insurance cover materials once they are removed from my property? While an installation is in-process are the materials I have installed covered?
As the values of my materials on the job changes, does my coverage reflect those differences?
If we are storing materials, equipment, machinery, and supplies on the jobsite, are they covered?
Do I pay people to work for my business that I consider to be an employee or an independent contractor? If so...
Have I arranged Workers' Compensation Insurance to protect me from being legally responsible for damages suffered by either an injured employee or independent contractor?
Do I have the necessary extension to my Workers' Compensation policy to cover myself, officers, and partners if we are injured on the job?
Have I avoided buying Workers' Compensation insurance to save money? If so, have I compared those savings to the potential costs of not having coverage?
What about working outside the state of Texas? With our current Texas coverage can we work in other states? Is it legal? Could we be fined?
Do different states' rates mean we have to price differently outside Texas?
What if we are working on or near the water, or even in a shipyard on land? When do I need Longshore Insurance?
Can employers or key officers be held criminally responsible for failing to have the required longshore insurance?
What are the hidden costs if subcontractors do not have Workers' Comp? Should owners and officers be covered by Workers' Comp?
What is an Insurance Premium Audit? When would an Audit be performed? Who will conduct the audit? Do I need to be available to meet with the Auditor?
How will an Audit be conducted? Will someone visit in person? Might it be done over the phone? Will I need to provide a report?
What types of information will I need to provide? General information? Payroll information? Tax information? Sales information?
What do I need to do to prepare for my Audit? How should I organize my Payroll records? By policy period? By classification code? By overtime and regular?
What is included in Gross Payroll for Audit purposes? Should I request Certificates of Insurance from all my Subcontractors?
Do we sometimes rent autos for business?
Should you buy the damage waiver offered by the rental company? Should you use the coverage offered by your credit card company?
Should you purchase hired physical damage coverage from your insurance provider?
Are our employees running errands for our business with their own automobiles? If so, do we have Non-Owned Auto Liability coverage?
Do we run Motor Vehicle Reports on employees using their own autos for business? Do we know if they have auto liability coverage? If so, do we know how much?
Are we comfortable with our current Hired Non-Owned Auto liability limit? Do we have Hired Auto liability?
If we are renting a car out of state, will our current Texas Workers' Comp cover our employees in those cars? What about business or personal property left in a rental car?
Are all autos titled under the name of the business? What are the limits of liability we purchased under the current business auto policy?
Do we ever pull trailers? Do we have equipment attached or wrap painted on any units? Are we carrying tools or goods?
What is an Umbrella or Excess Liability policy and why do we need it? Do we sign contracts that require us to carry higher liability limits than we currently carry?
Do we have operations that, by their nature, have an amount of risk that could generate a larger loss than our current liability insurance would cover?
Do our clients, or prospective clients, expect operations such as ours to have higher liability insurance limits than we currently have?
Do we need our Umbrella or excess Liability policy to extend to territory outside of the U.S.?
If we have an Umbrella or Excess Liability policy, will its coverage extend to Additional Insured, Waiver of Subrogation of our primary liability policy?
Is our Umbrellas or Excess Liability policy 'pay on behalf of' or 'reimbursement' basis? Does the policy term run concurrent with our primary Liability policy?
