ForumsLegal and Insurance

You definetly want general liability including products and completed operations coverage. You can also find GL coverage that includes cyber liability for your online sales exposure. I believe The Hartford, CNA, AIG and Chubb all provide this coverage for your industry. If you have employees you will need workers compensation insurance and I would suggest EPL (employment practices liability) because wrongful termination and sexual harassment claims are becoming common and are very expensive to litigate regardless of whether you win or lose. The coverage is pretty cheap for a small business.

E&O (errors and omissions) insurance is essentially mal practice insurance that is designed for those providing professional services, I am not sure it is necessary for your business. Another poster mentioned Cargo insurance but it would probably not be cost effective for your product, most people are better off self insuring anything coming from the middle east unless it is extremely valuable.

I own an insurance agency in Sacramento, CA but can write business nationally if you don't mind working through phone and fax. If you would like to work with somebody local, here is a list of the "best practices" insurance agencies in Georgia:

Blount Burke Wimberly & Hendricks Insurors,

Statesboro

J. Smith Lanier, West Point

Jim Anderson and Company, Lawrenceville

Little & Smith, Inc., Marietta

Prime Financial Services, Inc., Fayetteville

Sherrill & Company, Savannah

Siegel Insurance, Inc., Atlanta