Is My Side Work Covered by My Employer’s Policy?
Written and reviewed by Michael LaBarbera, licensed insurance agent
An employer’s professional liability policy should not be assumed to cover independent side work or separate stamping responsibilities. The insured-person and professional-services wording must be reviewed for the exact work. This decision tree identifies questions for the employer and agent; it does not confirm coverage or individual-policy eligibility.
Do not assume an employer’s policy covers independent services. Ask the employer and its insurance agent for a policy review before relying on coverage. Individual policy availability needs market confirmation; this tool does not establish eligibility.
Request an individual-policy reviewFrequently asked questions
Does a tool result confirm coverage?
No. The policy wording, endorsements, insured services and specific facts control coverage. A licensed agent reviews each insurance request.
Are results a quote?
No. Tools provide general education and organize information for review. They do not offer coverage or show premiums.
Can I save or submit my information?
Use the quote form to store a request securely. Tool selections are not automatically sent to an agent.
What should I do with an uncertain answer?
Bring the actual contract, declarations and relevant project facts to the agent. Mark uncertain non-critical application answers for clarification.
Request a quote
Get quotes from multiple carriers with one application
Start with your contact details — it takes about four minutes. A licensed agent reviews your firm and emails your options, usually within one business day.