Liability Insurance

[Coltrane]

Hey guys,

I recently opened a single-member LLC. It's an in-home music tutoring business. In my tutor contract and parent/student contract I have lines that say the business will be held harmless for everything before, during, after lesson, etc. I was looking to also add liability insurance just to really cover my bases. Where should I go to for this? Any specific companies/policies to look for?

Thanks!


Proper Preparation Prevents Poor Performance

[Freelancier]

Go to the people who provide your home owner's insurance. They should offer an umbrella liability policy, but they also might require you to beef up your homeowner's and/or car insurance before selling you that (because they want the other insurance to kick in first if you get into a car wreck, for example). As an alternative, they might be able to write a business liability policy. If your current insurance people don't offer it, they'll know someone who will offer it in your area.

[Coltrane]

Thanks again for a clear and fast answer!