[Discuss] E & O insurance

[greg at freephile.com (Greg Rundlett (freephile))]

Anyone have good experience with a particular insurance company getting
their E&O + general liability policy?  At eQuality Technology, we do
solutions consulting with Linux and FOSS focused on the software side so
we're primarily a "3rd-party software installation, customization, support"
company (at least according to the categories defined by Hiscox Insurance).

Looking at the quote-generating application form for Errors and Omissions
insurance policy at Hiscox Insurance, I found this particular bit of
interest:

Does your business conduct any of the following activities?
* Manufacture, design, or assist in the design of any hardware or
components. (This does not apply if your business is a Value Added Reseller
of third-party hardware.)
* Create, support, or work on software that executes securities
transactions, makes medical diagnoses, or is involved in manufacturing or
process control.
* Own, host, or run any website that contains any pornographic materials or
user generated content.
* Own, or manage a social networking or auction website. (This does not
apply to third-party sites where you offer hosting services only.)
* Operate as a Voice Over IP Service Provider (This does not apply to use
of a third-party VOIP service provider to conduct your own business's
telephone calls.)

Bullet #3 jumped out at me.  User generated content (like comments in a
blog?) are lumped together with porn for insurance purposes?

I can see how user-generated content creates more of a liability than
owner-generated content, but figured in today's day and age things might be
finer grained than user-generated content ~ porn.

Anyone have good experience with a particular insurance company getting
their E&O + general liability policy?

Greg Rundlett