Again, thanks to all of you for the education. I hope that I am not the only one who needs to know all of this information and maybe by me sticking my neck out to ask the questions, someone else has been helped along with me.
The insurance industry really really needs to market their products better than they presently do. Honestly, this website is the first place that I learned the terms, "continous coverage or you lose all your past coverage", "claims based coverage", "buying the tail end", and the fact that if you no longer are independent you still need to purchase coverage..... none of these terms were explained to me the consumer two years ago when I purchased my first E & O policy. Most independents in NC do not have coverage because for years none of the insurance companies would provide policies for NC independents.
Again, thanks for all that SOT has done for the small independent contractors.
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