Frequently, with certificates and sometimes specified E&O and cyber limits.
Yes. You hold client credentials and data, which makes you both a target and a liability route.
General liability covers damage you cause there. Confirm off-site work is contemplated.
That's bailee exposure, addressed by inland marine. General liability excludes property in your care.
Yes, and it's the most common claim. E&O responds to data loss during service.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
