Dear Diane,
I have fire, theft, injury insurance through a local company that carries
insurance for the landlords of the building in which I lease.  So I would
suggest getting in touch with your property manager or landlord and seeing
whom they recommend.  I am a rental station also and there was no problem
with that aspect.  And I did mention it.  I also got malpractice insurance
through CNA, the nursing insurance company.  I have to pay a bit more than
just the nursing malpractice since I am insuring my business but it was no
problem.  I got that after I got the local policy and got a rider that
covers me in someone's home in case I break or damage any of their property
while in the course of business.  You know, carrying that scale and you turn
and knock over a vase or hit the TV or something.  Since I'm insuring the
business any employees or independent contractors I hire are covered as
well.  But I did have to call around and everyone I called on my own turned
me down once they found out that I worked with babies.  But I had to have
insurance to rent the office and the place the landlord recommended was only
too happy to insure me.  Hope that helps,
Cindi Swisher
Alliance Breastfeeding Center, LLC
Colorado Springs, CO

> -----Original Message-----
> From: Lactation Information and Discussion
> [mailto:[log in to unmask]]On Behalf Of Diane Perrone
> Sent: Wednesday, August 13, 2003 3:00 PM
> To: [log in to unmask]
> Subject: Needing insurance coverage for business
>
>
> I am an RN in private practice providing home health services for
> mothers and infants.  I am also a rental station for breast pumps and
> supplies.  I have operated out of my home for 12 years and now want to
> move into a store front location.
>
> I have professional liability insurance for my nursing care and rely on
> the company I represent as a rental station for their product liability
> insurance.  I am looking for insurance as a shop owner in case of fire,
> theft or injury to anyone while in the shop.  I am having trouble
> finding a company to offer this coverage because of the rental
> equipment.  They say they would have to cover injury to anyone while
> using the rental equipment and supplies and they don't want to do that.
>
> HELP!  Has anyone ever had this problem and what did you do to get
> proper insurance?  I have been in business for 12 years and have had to
> explain many times what I do, but have never had any trouble getting
> insurance to operate out of my home.  Now I am stuck for an answer as to
> where to go next.  Thank you for any information you can offer.
>
> Diane Perrone, RNC
> Materna Wellborn
> Algonquin  IL   USA
>

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