Independent contractors and your title E&O insurance, part II

Let’s face it, says contributor Adam Gwaltney, agent with Ritman & Associates, most of us don’t understand our auto insurance coverage let alone professional liability insurance coverage. You know it’s true. Most people couldn’t even tell you whether they have towing insurance on their auto insurance policy. When he asks prospective clients whether they know if they have IC coverage under their E&O policy, he invariably get a lot of “I don’t knows.” In his part one of his column, he dealt with the basics of IC coverage. Now Adam digs a little deeper into the language you have to watch out for.