If you are working with large comapnies they will generally require that you have insurance. Their specific demands may vary but typically you will see the following:
General Liability Professional Liability Worker's Compensation (If you are a sole proprietor it is generally not necessary) Automobile liability ($1 million is common)
** If you were selling a product to these companies you speak of a GL policy would suffice to CYA for product related claims for BI & PD however the instant you tell the insurance carrier your operations are not product related but service oriented (acting as a consultant) they will slap a "professional services" exclusion on your GL policy before you can blink. This exclusion erases any coverage you might have had for claims against your company for services performed for a fee.
You'll need to secure a Professional Liability policy OR E&O depending upon the exact category / scope of your operations to provide your firm with coverage for consulting work.
If the consulting is done as an added service to facilitate the sale of your product then this whole dilemma can sometimes be resloved without the need to purchase a separate PL or E&O policy by the broker negotiating with the insurance companies.
All-in-all you should secure (at the very least) the following types of insurance with adequate limits and deductibles:
Professional / E&O
Employment Practices Liability (if you have employees or plan to have employees)
Umbrella / Excess
Pollution (depending on who your clients are and the scope of your operations)
This information is simple (AT BEST) and this issue is much more complex than mentioned here and must be discussed with your agent. Coverage varies greatly so be sure to discuss ALL terms and conditions with a knowledgeable agent or broker. If your operations are large enough, you should attract the attention of talented brokers... or at least scare away the dummies. Beware of the contracts & agreements you will enter into with the larger companies as they can impose liabilities on you which are broader than the coverage contained within your insurance policies.
A person can find information regarding Homecare Insurance in the phone book. A person can also find information regarding Homecare Insurance with an insurance broker.
The Segal Consulting company is a company that offers consulting regarding benefits, compensation, and human resources. It is based in New York City, New York.
One can receive software development consulting by contacting a company such as Headspring. One could also consult a blog such as DatabaseSoup, which offers an article regarding software development consulting.
Grant Space's website is one place online where information regarding technology consulting firms can be found. About's website is another place where this kind of information can be found.
Environmental consulting firms help companies continue their operations while respecting the environment. More information on these consulting firms is available directly from the firms themselves.
There are probably about 500 laws in Pennsylvania regarding automobile insurance. You need to be a little more specific as to what about auto insurance you are concerned about. Sorry.
One can find information regarding car insurance from many companies. Sites like ConsumerReports, Investopedia, and local American state based sites all have information regarding car insurance and ratings on insurance companies.
The statute of limitations regarding insurance refunds in Florida is 20 months. Cases that are found fraudulent are exempted from retroactive claims.
One might find information regarding life insurance annuities online at various websites. One can find information about life insurance annuities at insurance company websites such as Nationwide and MetLife.
Most insurance websites provide information on variable life insurance. Information regarding variable life insurance can be found on the Prudential website as well as the Nationwide website. The site Investopedia also offers a lot of information regarding this type of insurance.