This is a must for every self-employed business person. If you rent, lease or are paying for space in a building, you can be held liable for accidents or damage even if your landlord has premises liability insurance. You will need this to cover all your business meetings, to rent a meeting room or office, or to have meetings in your home.

• The A.M. Best Rating is a rating prepared by independent analysts who evaluate and rate the financial strength of insurance companies. Ratings are reviewed and affirmed annually. The carrier we have pre-negotiated rates with has a rating of "Excellent."

• There are no deductibles to this policy. If you happen to be sued, the ICA Group insurance coverage will pay for your defense and pay for any damages ruled by the court, subject to policy limits, for any injury that occurs within your space of work. It includes trip and fall coverage, fire coverage, and advertising liability.

• The limit of liability coverage is $1,000,000 per occurrence and $2,000,000 individual annual aggregate. This means the insurance coverage will pay up to $1,000,000 for injury resulting from one occurrence, and it will pay up to $2,000,000 for the sum of all claims paid per year.

• The ICA Group Inc. policy is occurrence form, which means that you are covered as long as you were covered at the time of the incident, even if the claim is made years later and your policy is no longer in effect.