If you are any type of corp. and you buy insurance for just the corp. you are not covered as a privite person who signs the report. You want to be sure you are listed as an additional insured. Same thing if you R Miller doing business as ABC Company. You want both names on the insurance policy.
When I was sued. My corp. was sued and I was sued, my manufacture was sued and AT&T Capital was sued. We each had to have different lawyers. My corp. lawyer could not represent me, nor could my personal lawyer represent the corp. Hence all the high legal fee's. this case was both in several state courts and the Federal Court system. They hit us with everything they could and any where they could.
When bing sued they will list, name, any one who had anything to do with what ever they are sueing for.
One more tip of advise on insurance. Another hard lesson learned. If you use you Car/SUV/Truck in your business. You had better check and besure that if you are in an accident you are covered. Most personal auto insurance policy exclude, you using your car in business. Hence if you have an accidnet while out looking at property and the insurance Co. finds out. You are with out coverage.
I carry commercial auto insurance. The kicker here is that they generlly insurance you for a range of miles away from your office. Fifty miles, hundred miles, two hundred miles, statewide, out of state. If you are out side of your range. You are not covered. Like drive your business car to an out of state convention or CE class. So be sure to check the fine print.
By the way the Insurance covers me any where in North America.
Something else I carry is an Inland Marine policy for my equiptment, in the office and in the field. I also carry a General Libility policy for any thing else that could go wrong out in the field. Some one claims that something is missing from there home, after you have been there, you have made approaches to the female of the home, when only you and her were in the home alone. You fall and destory a Vase or painting or something.
Again you may never need the insurance, but when you do you had better have it. Because once the legal filings start, you had better be able to pay the lawyer to defend and answer. Right or Wrong. Because if you don't answer the filing, you will find your self with a defalt judgement. Thats when the Fat Lady has had her chance to sing. Sing she will.
Corps. don't really protect you. If you are using it as a shell, to protect you assets.
h34r: 
