[Discuss] E & O insurance

[willrico at gmail.com (Will Rico)]

The ICCA (may it rest in peace) used to have a deal with Small
Business Insurance Agency (SBIA) for these types of insurances.  When
I needed insurance several years ago, I did some research with a
couple of agents and SBIA (with the ICCA discount) had the best deal
by far.

I get fairly confused whenever I tried to piece together exactly what
"general liability" and E&O cover.  Currently, I believe we have
general liability, but not E&O.  I should know the answer to that, but
as mentioned, I start getting dizzy whenever I think about business
insurance.

I've continued to work with SBIA and I give them credit for their
patience, considering I've asked questions about policies several
times (e.g. when a client was requesting we have a certain type of
coverage) and then ultimately not needed a policy after all.  They've
always been gracious in answering questions regardless.

Here is the contact information for the person I've worked with:

    Anne B. Moquin, CISR, CLU, REBC, RHU
    Property & Casualty Manager
    Small Business Insurance Agency, Inc.
    542 Main Street
    Worcester, MA  01608

    1-800-548-6900 ext. 0280
    508-770-0280 direct
    508-798-5008 fax
    amoquin at sbia.com

Will

On Mon, Jul 29, 2013 at 9:50 AM, Greg Rundlett (freephile)
<greg at freephile.com> wrote:
> 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
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