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  1. #1
    Jade Bos's Avatar
    Jade Bos Guest

    Default Stand alone General Liability Insurance?

    I am just getting started in the business and am looking to do some ride alongs with Hi's in the area.
    For this I believe I need my own general liabilty insurance so they ( the mentoring HI) and I am covered. I contacted FREA and they do not offer a stand alone liability policy.

    I am curious if anyone knows other providers who may offer stand alone general liability policy without the $3500 E&O policy.

    I would also devour and appreciate any advice that members could give a new guy when it comes to insurance.

    I am in the process of incorporating as an LLC.

    Thanks again,
    Jade Bos

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  2. #2
    Join Date
    Mar 2007
    Location
    Spring Hill (Nashville), TN
    Posts
    5,829

    Default Re: Stand alone General Liability Insurance?

    Contact the company that you have your homeowners or car insurance with. Most will write business liability coverage. My GL is with Shelter Insurance and my E&O is now with BRP.

    Scott Patterson, ACI
    Spring Hill, TN
    www.traceinspections.com

  3. #3
    Join Date
    Mar 2007
    Location
    Philadelphia PA
    Posts
    3,177

    Default Re: Stand alone General Liability Insurance?

    All I know is, I tried to get GL when I was doing ride-alongs, and couldn't. I talked to a company that does insure home inspectors, but they told me that since the jobs I would be attending weren't "mine", they couldn't sell me coverage. Actually what they said was that they could sell me coverage, but that it wouldn't really cover me if something happened. Sheesh.

    "There is no exception to the rule that every rule has an exception." -James Thurber, writer and cartoonist (1894-1961)
    www.ArnoldHomeInspections.com

  4. #4
    Join Date
    Mar 2007
    Location
    Ft. Lauderdale Fl
    Posts
    73

    Default Re: Stand alone General Liability Insurance?

    Try this number 561.968.5320. It's Dixie Specialty Insurance Lake Worth


  5. #5
    Jade Bos's Avatar
    Jade Bos Guest

    Default Re: Stand alone General Liability Insurance?

    Thanks for the replies guys - this forum is a great!

    I'm talking to a couple of insurance people tommorrow. I'll post any pertinent findings.

    Jade Bos


  6. #6
    Join Date
    Mar 2007
    Location
    Ormond Beach, Florida
    Posts
    25,309

    Default Re: Stand alone General Liability Insurance?

    Quote Originally Posted by Mitchell Captain View Post
    Try this number 561.968.5320. It's Dixie Specialty Insurance Lake Worth
    That's who I had my GL through also.

    Jerry Peck, Construction / Litigation Consultant
    Construction Litigation Consultants, LLC ( www.ConstructionLitigationConsultants.com )
    www.AskCodeMan.com

  7. #7
    Join Date
    Mar 2007
    Location
    Ft. Lauderdale Fl
    Posts
    73

    Default Re: Stand alone General Liability Insurance?

    She shells gave me that number many moons ago and I've use them ever since.

    Captain


  8. #8

    Default Re: Stand alone General Liability Insurance?

    Allen Insurance will write stand-alone General Liability.

    If you try the company who writes your homeowners and/or auto, see if they will cut you a multi-line discount. Worth a try at least.

    Ben


  9. #9
    Join Date
    Sep 2007
    Location
    Fredericksburg, VA
    Posts
    880

    Default Re: Stand alone General Liability Insurance?

    Quote Originally Posted by Ben Garrison View Post
    Allen Insurance will write stand-alone General Liability.

    If you try the company who writes your homeowners and/or auto, see if they will cut you a multi-line discount. Worth a try at least.

    Ben
    Yep! They sure do! Just have a spare leg or arm handy? IF you buy E&O with them, GL is a low cost inclusion. However, the GL by itself cost is around double. I paid $684 for 300K. A contractor can get $1M coverage for $200-300. Heck! The auto $1M liability policy that includes our teenage daughter is more reasonable (proportional risk)

    The above statements are expressed solely as my opinion and in all probability will conflict with someone else's.
    Stu, Fredericksburg VA

  10. #10
    Join Date
    Sep 2007
    Location
    Fredericksburg, VA
    Posts
    880

    Default Re: Stand alone General Liability Insurance?

    Quote Originally Posted by Jerry Peck View Post
    That's who I had my GL through also.
    For those who might be interested, please note they're only licensed in Florida.

    The above statements are expressed solely as my opinion and in all probability will conflict with someone else's.
    Stu, Fredericksburg VA

  11. #11
    Richard Rende's Avatar
    Richard Rende Guest

    Default Re: Stand alone General Liability Insurance?

    I can easily place General Liability and/or Professional Liability insurance for home inspectors in the state of CO.
    A stand alone General Liability insurance policy is very easy to write, and can be done in no time at all.
    The name of my company is Mountain West Insurance & Financial Services, LLC.
    My name is Richard Rende.
    You can reach me at 970-375-9600
    Thanks


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