Understanding Your Exposures
What exposures do you need to insure?
Click on the links below to learn about our coverage options.
OR... Unsure what exposures you have?
Click here to determine your insurance needs.
What Risks Do Auctioneers Face and Where is the Coverage?
Do you have employees or use contractors?
Click here for a worksheet to determine if your workers are employees or independent contractors. The difference between the two should be used for tax purposes only; worker's compensation coverage is necessary whether or not your workers are independent contractors.
DISCLAIMER: The description herein is a summary indication only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions. Issuance of coverage is subject to underwriting. * In order to qualify for premium credits you must be a member of your local state association and occupational with registration laws.