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Our mission is to provide the right products, along with excellent service and competent advice, at the right time, all the time. We strive to provide choices and efficiency in the insurance buying process. Our model provides multiple options and award winning service.
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Protect your belongings, electronics, furniture, jewelry, and other valuable assets with a renter's insurance policy from Perfasion Insurance, LLC ...
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"I’ve worked with Kelly at Montana Property Management for years and she is one of the best caring..."
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"I’ve worked with Kelly at Montana Property Management for years and she is one of the best caring people out there. Her tenants & owners love her and she takes great care of everyone involved. "
"I've worked with Randall for many years and always found him to offer sound advice, excellent..."
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"I've worked with Randall for many years and always found him to offer sound advice, excellent follow through and overall a consummate professional."
Recent Activity
It appears most have answered your question properly. The legal setup of the company, along with types of coverage, are the real questions to ask; and there could be state by state differences. Contact an agent in your local area to discuss further.
-If the parent company hires you as a 1099...
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It appears most have answered your question properly. The legal setup of the company, along with types of coverage, are the real questions to ask; and there could be state by state differences. Contact an agent in your local area to discuss further.
-If the parent company hires you as a 1099 independent contractor, none of the policies they carry cover you (in most policies). You don't have property covered for the theft which occurred, you don't have general liability for any accident you cause, professional liability, worker's comp, etc. You would need to carry a policy on your own company, even if it's just you, to cover things like loss to your equipment and property, liability protection to defend you for causing an accident, disability in case you are hurt, etc. Anything related to you would be denied by the insurance policy of the parent company, because you are not an insured based on the contract.
-If you are an employee of the parent company, like a W-2 employee, you are generally covered under the parent company's policies and most coverage flows through to you as well and most states require the employer to cover you on worker's compensation. If you personally own equipment, like a camera, you use for work and/or store at work; it still might be worthwhile to get a policy to cover your equipment or the company should make sure employee owned equipment is covered as well. General & professional liability policies are usually extended for employee acts.
To run down the various coverage points, on a business office policy, or BOP, business personal property is covered in the listed locations only, up to the amount listed on the policy. So if my listed location is in XYZ building, suite 2 and my stuff is all in suite 300, they can deny my coverage because it's not the scheduled location. For example if you have a studio and an office, you need to schedule both locations and list the value of equipment in each location. You want to list the equipment commonly stored here and which stays in the locations all the time. Inland Marine coverage, or floater equipment, covers the listed or valued amount wherever it may roam. You would list the equipment which travels here. So cameras, computers, etc. that you take out of the building (even if it just goes to your house). If it leaves the scheduled locations, it shouldn't be listed in business personal property, but should be in inland marine. For example, if you're on a multiple day shoot in Glacier National Park and the equipment is stolen, the inland marine coverage would kick in but the business personal property coverage would be denied. General liability is to cover your negligent acts, for example if you have a light up and it swings down because you didn't tighten it correctly and hits your subject in the head. You're on a shoot and you spill water & someone slips and falls. General liability will cover your legal defense and damages up to the amount selected for your negligent acts. Professional liability is for damages caused by your professional action, (this is a tougher one, but see how it would work for you) maybe you had an over exposure on a critical shot, you failed to capture the right moment, etc. There's still a lot of moving parts here, but I'm just throwing out some possible ones. Professional liability is commonly called errors & omissions or malpractice insurance. This is your failure as a professional which causes harm. If you hire your own employees, you need worker's compensation (workplace injuries) and/or employment practices liability insurance, which covers your risks of harassment, wrongful discharge, failure to follow COVID rules maybe, etc.