Jack Morgan jack at
Tue Sep 20 15:15:13 UTC 2011


On 09/20/2011 08:10 AM, Randy Carpenter wrote:
> ----- Original Message -----
>> On Tue, 20 Sep 2011 07:59:00 EDT, harbor235 said:
>>> Curious if anyone out there is acting as an independent contractor,
>>> consultant,  or small business,
>>> if so do you use professional liability insurance?
>> I don't consult myself, but is *anybody* crazy enough to do
>> consulting
>> in the litigation-crazy US without carrying errors-and-omissions
>> insurance?
> The reality is that with the mega-insurance companies able to set whatever crazy premiums they feel like, and raise them every other month, the cost of being fully insured is sometimes more than what you can charge as a consultant.

This is just not true. Insurance companies are regulated by State
Insurance boards. If an insurance company wants to raise rates, they
have to submit a proposal to the their state insurance board. They can
only raise rates for a "class" of customers. For example, all customers
aged 50 - 62.

Jack Morgan
Pub 4096R/761D8E0A 2010-09-13 Jack Morgan <jack at>
Fingerprint = DD42 EA48 D701 D520 C2CD 55BE BF53 C69B 761D 8E0A

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