BackgroundOur client is among a growing number of independent practicing professionals, covered by both General Liability and Professional Liability insurance policies. She called regarding 1099 employee issues and coverage for them on her insurance policies. One of her 1099 contractors travels nationally and internationally, as well. None of her 1099 contractors carries insurance for themselves and anticipates coverage through her.ProblemsGeneral and Professional Liability coverage: most larger corporate enterprises have coverage that automatically extends to anyone acting on behalf of the corporation. Sole practitioners or partnerships (under any business structure) may not enjoy that same benefit. Travel Coverage for 1099 "employees:" domestic and international insurance programs are unlikely to respond to issues involving 1099 employees traveling in the U.S. or overseas.SolutionGeneral and Professional Liability coverage: Our client identified the operations and exposures of her 1099 consultants for coverage by her insurer. While her policies had premium increases, the overall costs were less than each individual 1099 obtaining separate coverage. Ultimately, her business was protected in a more uniform and comprehensive manner. Travel Coverage for 1099 "employees:" Our client's International policy insurer was willing to include the 1099 contractor if such travel insurance coverage obligations were agreed to under written contract between our client and her 1099.ResultsOur client's General and Professional Liability insurance policies were expanded to cover operations using contract employees. Domestic and international business travel was also covered for everyone.Newsletter, June 2010