Small Business Professional Liability Insurance
small business Professional Liability insurance
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Mountain Insurance Brokers – Professional Liability Insurance In Trinidad, CO
How I can get general liability & transportation insurance for a small concierge/errands biz?
I recently opened a concierge/errands business. I make run errands, shop, help in the home with projects, etc., and can take people to dr. or other appointments. I think I need general professional liability and transportation insurance for this but can’t find an agent who knows what I’m talking about. I thought it would be under non-skilled/non-medical care giver type insurance. Thanks.
You go to a local, independent agent, and have them shop it out.
You need general liability insurance, and commercial auto insurance. BUT. That commercial auto insurance, bringing people to appointments – is very, very, VERY expensive – like in excess of $10,000 a year. The general liability will probably run you around $1200 a year.
There’s no such thing as “nonskilled medical care” provider.
What you’re doing, is transporting people for a fee, like a limo, as far as the car insurance goes. On the general liability, it’s probably going to be rated based on the projects that you help with – whatever the MOST expensive class code is, is what you need.
If you go to a State Farm, Nationwide, Allstate kinda direct writer agent, they won’t be able to help you. You need an agent that can access Lloyds of London and other excess markets.
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