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Computer Services Liability Insurance Question

Fred Marshall
on
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Last Modified: 2018-03-26
My small business insurance is very oddly worded.  The front page of the policy says:
Business Description: "Computer Consultants and Trainers"
Then, in the Exclusions, under Professional Liablity: Applicable to Business Liability Coverage-Liability it says:
"Services provided as a practitioner in the fields of: ........., Computer Consultants, ......
It sounds like I'm being issued a policy for exactly what's been excluded.

The agent has not helped me to understand that this is somehow OK - and I rather doubt that it would be possible but then there often are clear explanations for things like this.
They basically said that it was good that the insurance company was willing to issue the policy and take my money.

In searching for a new policy, a new agent tells me that the standard  policies say the same thing.

Other than NOT having any insurance, what do you recommend?  Surely there are plenty of Experts here who have the same kind of issue.
Well, that is, I'm asking:
If you carry liability insurance, is there a company or policy you can recommend that avoids this language?
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Russ SuterSenior Software Developer
CERTIFIED EXPERT

Commented:
This is really a legal matter. The laws may be different in your location and the experts here generally aren't experts in law. You really need to consult with an attorney who specializes in this sort of thing. It shouldn't cost more than a couple hundred dollars to have an attorney review a document like this and make sure you're properly indemnified.
Fred MarshallPrincipal
CERTIFIED EXPERT

Author

Commented:
I modified the question trying to clarify what the question is.
This isn't intended to be a legal question.  It just has some simple legal implications is all.
It's a question about what's available in the marketplace.
David Johnson, CDSimple Geek from the '70s
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Distinguished Expert 2019
Commented:
This one is on us!
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Principal
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Commented:
This one is on us!
(Get your first solution completely free - no credit card required)
UNLOCK SOLUTION
Fred MarshallPrincipal
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Author

Commented:
David Johnson's suggestions are all good ones!
I found what I was looking for separately so this answer gives the "solution" and David Johnson gets the points!  That seems a balanced approach.
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