Industry
Insurance coverage for Professional Services
E&O first, then general liability as headcount grows.
Commercial Auto
All Commercial Auto questions →- Do independent contractors need liability insurance?
In practice, yes — and rarely just one policy. Working 1099s typically carry general liability, commercial auto for any vehicle used on the job (personal auto policies exclude business driving), and often workers' comp even solo, because GCs and clients enforce coverage through certificate demands and premium audits, not because a statute names contractors.
Liability questions for Professional Services
General liability, E&O, D&O, and employment practices questions live on our sister publication: Professional Services on pleasedontsue.us.