It is a party, such as a landlord or client, added to your policy so they may have certain protection tied to your work. Contracts often require it.
Related FAQs
Often, yes. Many small businesses combine it with property in a business owners policy. We can review whether that fits you.
No. Errors in your professional advice or services fall under professional liability (E&O), which is a separate policy.
No. Employee injuries are handled by workers’ compensation, which California requires once you have employees.
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