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If you have a single person agency do you need e and o for you and the agency?
If the agency is a separate legal entity, such as an LLC or a corporation, it is usually better to purchase the E&O in the agency's name. The E&O coverage for the agency extends to the owners and employees of the agency.
What if i have E&O on myself (sole proprietor). Due to rapid recent growth, I created a LLC. All my sub agents are contractors with their own policies. Should I still change my individual E&O to agency E&O?
Separate question: can I put contractors under an agency E&O or only W-2 employees?