Opportunities, Exposures Climb In Miscellaneous E&O Kenneth A. Schneider

They are often sneered at as the pajama crowd, but its no laughing matter. The decline of direct manufacturing jobs in our nation, concomitant with the growth of the service sector, has spawned new classes of professional consultants.

They consult in a diverse range of endeavors–everything from hardware and software applications to manufacturing quality assurance, from independent claims adjusters to mortgage brokers to answering services. Each year, the list gets longer.

Many of these people have successfully moved away from fully tenured corporate positions, with all liability coverages, including errors & omissions insurance, taken out by the employer. As they move to the status of independent contractor and consultant, these professionals are now responsible for their insurance coverages.

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