Who Needs Insurance Help

The owner of a high tech company wrote me a note yesterday asking what issues he needs to consider as he moves forward with a plan to utilize contracted consultants. I told him that he has many issues, including:

--Finding the right professional liability insurance
--How will liabilities flow from your consultants?
--What contractual issues arise?
--What insurance should you require of your consultants?
--How will you know if the insurance the consultants buy meets your requirements?
--Are your consultants really employees or contractors?
--How do individual state laws affect your need for workers' compensation?

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