Generally, but confirm territory. Coverage often follows licensure rather than your location.
Professional liability responds. Documented risk assessment and safety planning are the primary defenses.
Often yes. Agency coverage protects the agency first and ends when your employment does.
Usually through a license defense sublimit. Complaints are more frequent than lawsuits.
Professional liability generally responds. Confirm the wording, since carriers treat this differently.
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.
