Liability Insurance?

[mikeinpittsburgh]

This is great timing. I just got my E&O renewal notice and was wondering about this very issue.

When I was a rep for a medical insurance company I had an umbrella/GL policy for a million. I probably should do this again.

I have been relying on Greg's plan for most issues.

I will call Landy on Monday and see what they think.

 

[Fritz in NY]

Take photos. Lots of them. Keep them for a few weeks after inspection. 1,000 words. No fire, no broken Ming Vase, nothing out of the ordinary in any room or space in the house. I was there, I didn't do it here is proof!

 

[LI-Appr]

If the policy is an umbrella 1 mil which covers all liability. Including AUTO, Home, Personal and E & O I would keep it but not advertise that I have it.

 

[Charlie]

If the policy is an umbrella 1 mil which covers all liability. Including AUTO, Home, Personal and E & O I would keep it but not advertise that I have it.

That is not the case with my insurance- I do not believe it covers any of the items you mentioned- although there are some grey areas. This policy baically covers business buildings, business personal property, loss of income, general business liability, property damage legal liability, medical payments, etc...

 

[Captain Common Sense]

Take photos. Lots of them. Keep them for a few weeks after inspection. 1,000 words. No fire, no broken Ming Vase, nothing out of the ordinary in any room or space in the house. I was there, I didn't do it here is proof!

This has worked well for me in the past. I always burn my photos to disk and save tham indefinitley as well.

 

[Captain Common Sense]

I was playing disc golf at a local park with my son and he hurled a disc into the grill of a moving car. I was suprised to find that my homeowners insurance covered this. If this is the case then wouldn't it cover some of the accidents we are discussing here?