Liability Insurance for Web Designers

[Webworks7]

I am a one-person company and I work from my home office as a Web site designer. I also teach HTML classes (as a contractor) for my local Community Education program. I have looked far and wide for liability insurance for my business, and have only been able to locate one provider. They give lousy service and it costs me $1200 per year, and this does not include coverage for copyright infringement or virus suits.

I'd sure like to shop around, but I haven't been able to find an insurance company that will cover a one-person company for Errors and Omissions. It seems that liability insurance for a technology business is quite a specialty.

Does anyone know of some providers that will cover a Sole Proprietorship in Utah?

[tertius]

Poorly worded poll question...(If you are a sole proprietor, do you have liability insurance?) technically, it's just a survey of those who have liability insurance as part of their business operation or not.

Reading the post, it seems the question is along the lines of either "Do web design companies need errors and omissions insurance?" or "Is errors and omissions insurance available for one-person web design businesses?"

As a former insurance industry underwriter and agent who has earned a CIC (Certified Insurance Counselor) designation, I would point out that there is a significant difference between "liability insurance" (technically, General Liability Insurance) coverage, and the specific form of professional liability coverage called "Errors and Omissions". General liability insurance is quite readily available to large and small businesses with minimal eligibility requirements; E&O (Errors and Omissions) has more restrictive requirements to be met in order to be eligible for that coverage.

If your agent doesn't know how to get you the coverage, I would suggest finding an agent who is a commercial insurance specialist, who should be able to line up at least 2 competitive bids for you (provided you meet the insurance company eligibility requirements for being offered the coverage...)

[Webworks7]

I am not talking about General Liability, I am referring to coverage for Errors and Omissions. Sorry if that was unclear.

I am not asking "Do Web design companies need errors and omissions insurance?" Obviously, I feel that I do, given that I have it and am looking for another provider.

The question is, "Does anyone out there know of some providers who will cover a Sole proprietorship in Utah?" I am not satisfied with my provider, but nobody has been able to name another company that will cover me. I have asked some insurance agents who specialize in business coverage, but as soon as they find out what I do, they say that they can't help me.

Given how hard it has been for me to find coverage, I am curious about what other one-person Web design companies do about it, thus my poll. I'm not really interested in large companies, because that's a whole different ball game.