I am new and looking to open shop in Des Moines, Iowa. I have a question about insurance... I have been reading around and I am aware I will need 1 mill. Liab. And it seems like some people say you need E&O and some say you don't... does it depend on which national you are working for? Also is anyone looking to sub work they may have in iowa?

Thanks in advance

You may have all of my Iowa work.

Some States and Commonwealths require E&O. Most (I think) do not.

E&O allows you to sleep at night.

If you and your Agents never make mistakes, you can go without (unless Iowa requires it). Perfect as I am, I have made a mistake periodically. (Part of being perfect is realizing you aare not infallible).

Deductibles are typically high (like $5000 and up). All incidents must be reported (not just those that where a Summons appears).

Having E&O means your are more of a Candidate for being sued than not having it.

Most disputes involve monetary settlements (out of Court) that are far less than the Deductible.

E&O is similar to Catastrophic Medical Coverage. It's not much help for minor aches and pains. It's for things like Brain Cancer. Not everyone gets brain cancer; but when you do, it hurts real bad.

Just some quick thoughts. Do people in Iowa actually sue one another ?

I reserve the right to amend my comments.

Thanks for the info. Very helpful I will meet with my insurance agent next week and see which is the best route... but I think I would rather have it than not


And as for as work goes... I'd love to sub whatever (as long as pay is proper) I am willing to take it on

Vermont when you are not busy could you email me... I have a few more questions (dcallies@tmail.com)

Thanks again