Hi All,
I have been providing O&M instruction as a private contractor, Sole Proprietor dba, for the past 10 years to nonprofits and state agencies. I do not have employees or subcontract. I carry the AER based Professional Liability Insurance. I was recently asked by a new prospective agency to have general liability insurance. I am unsure if I need this extra layer of insurance. I will not be driving clients or have any products for sale. Do any of you have this extra insurance?
Thanks and Aloha,
Amy
