Many of you know that I've started a business. I've recently landed a small contract with a large multi-national company, and their vendor setup process is very thorough. like a zip file of 14 attachments. Gross.
Anyway, what's come up is that I don't have any liability insurance and I may need some. I've been getting some conflicting information about they type of insurance I need. Given that my business is engaged in only training in an office environment, it's not what I'd consider "risky".
The confusion comes from the fact that I am a professional engineer, registered with APEGA. Some companies want to quote me professional liability as well as general liability, which is intended to cover the "quality" of my work as I understand it. This increases the cost significantly. Others seem to think that since I'm involved in the business of training, and not "engaged in the practice of engineering" that normal commercial liability is fine.
What say you beyond.ca?
Also, if anyone has a good small business insurance broker that recommend, I'd like to talk to them.