Thank you, Alix. I am independent and a Sole Prop (this time). Unfortunately, my region is very rural and I'm not getting clear info from my insurance agent or attorneys. (I don't think the local attorneys are even clear on what they need to do when they end their practices...)

Will go straight to the carrier, today, and keep looking, then post what I find out here, just in case someone else needs it.to post a reply: login - or - register