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  #31  
Old 03-17-2013
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Re: Professional Liability Insurance for delivery or hiring crews

Liability insurance is cheap, comparatively speaking. Everyone who does anything with a risk of loss should carry it. Of course, to protect your own assets, but also for others. Insurance is not some newfangled idea.

If you're fully covered under an owner's policy, that works. You might have liability coverage, but I'd at least determine if that's the case.
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Old 03-17-2013
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Re: Professional Liability Insurance for delivery or hiring crews

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Originally Posted by JonEisberg View Post
on some level, I remain unconvinced that a liability policy would afford a truly bulletproof guarantee ...
The Allstates of today are truly evil. There still are some good insurance companies out there.
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Re: Professional Liability Insurance for delivery or hiring crews

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Originally Posted by JonEisberg View Post
.....insurance companies are not in the business of "ensuring" anything...

I'm afraid Andrew is correct, the insurance guys and their lawyers ALWAYS win, in the end...
You're rightly pointing out the claims experience with many insurance companies. That is where a good agent/broker can help. Some pay out on a phone call, other argue everything. They know the difference and it is reflected in your premium. You decide which you prefer.

It is not necessary that they insurance company always wins. You just have to be properly protected with the proper carrier. Most that shop and buy their own insurance have absolutely no idea what they are doing. It would be like defending yourself in court.
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