Yes, and disclose it. That work carries different exposures and may need environmental coverage.
Only with inland marine. Client property in your custody isn't covered by your general liability.
Crime coverage responds to theft allegations. Working alone in homes containing valuables makes this a recurring exposure.
General liability covers property damage you cause during a project.
Yes, and it's the most common claim in this work. E&O responds to disposal decisions the client disputes.
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.
