Join Date: Apr 2012
Location: Big Sky Country
Thanked 930 Times in 466 Posts
I have 2 clients that require E&O insurance. I cancelled my E&O 2 months ago because between both those clients there simply was not enough volume of work to warrant continuing to pay for it. Both those clients continue to send me work orders. You just getting started in the business, I would suggest taking a real hard look into if the volume of work you anticipate will warrant the E&O premiums.
As far as a QC policy, I am now a 1 man show, besides a specialty sub-contractor every once in awhile. QC'ing my own work is a no brainer. QC'ing a subs work involves visiting the property and physically checking the work myself once it is completed.
Are you certain that the sub contractor agreement Brunswick is asking for isn't the one your potential clients are providing? They would need to see that to make sure they are writing you the correct coverage's. If you intend to use sub contractors to do your work, then you will need a contract of your own for them to sign - Ton's of liability there, definitely see a lawyer for that.
Iíve already told you more than I know.