Hey Chris, what area of Indiana are you from?

I carry both E&O and GL and highly recommend that everyone does the same.

Operating under the umbrella of a LLC will protect you somewhat, but not if it is determined that you showed gross negligence (you missed something big that should have been obvious). However, your name and reputation is what sets you apart from your competition. If you work for 2-3 years building your reputation, then fold up the LLC to avoid a lawsuit, you have to start over again with a new name and re-build all that you lost. In the end, it would have been better if you had the E&O and stood behind your reputation and responsibilities.

There are many different companies offering both E&O and GL. Some companies offer a combination of both and include other coverages, such as WDI and Radon.

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Integrity Inspection Service, LLC
www.irsindy.com
(317) 345-1828