FAQs

It depends on the scope. Some pool trades require a state contractor license. We can help you confirm how licensing may affect your coverage.

Not always. Many general liability policies limit or exclude pollution, so chemical exposure often needs to be addressed through specific coverage.

They may be, under inland marine (tools and equipment) coverage. Standard auto policies typically do not cover the tools inside the vehicle.

Yes. Send us the requirements and we can help you put coverage in place and provide a certificate.

It depends on your policy. Tell us where you train so we can help you look for coverage that follows you off-site.

Often yes. Training minors typically raises abuse-and-molestation considerations, which are frequently addressed through a specific endorsement.

Often yes. Let us know your deadline and the required limits, and we can help you line up coverage in time.

No. Waivers can help, but they typically do not replace coverage. An injured client may still bring a claim, and a waiver may not hold up in every situation. ...

Many solo consultants start with professional liability and a BOP. Workers’ comp generally applies only once you have employees.

Typically no. General liability usually excludes professional services, which is why consultants generally carry separate errors and omissions coverage.