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RE: Insurance

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Responding only to the coverage question, the answer is how much you want and how much your clients want.  I'd recommend carrying a base amuont that meets what the majority of your clients want.  For those clients that want higher coverage, let them pay the step increase for you to have the higher coverage.
I know some small practices choose to go bare, but I've landed several decent projects that would not have been offered to me if I did not have professional liability coverage.
David Finley
M. David Finley, P.E., P.A.
2086 SW Main Boulevard - Suite 111
Lake City, FL  32025
-----Original Message-----
From: Dall [mailto:dallphin(--nospam--at)]
Sent: Thursday, September 15, 2005 1:44 PM
To: SEAINT(--nospam--at)
Subject: Insurance

Dennis’ post about wrap around insurance prompted me to ask this question.


If you’re just starting out, how do you know where to purchase Liability Insurance from?  An internet search?  ASCE?  Your local home/business insurance agent?  Are there preferred companies that you might recommend?  How do you decide which is a good agency to go with?  How do you determine how much coverage you need?   TIA