I need $10 million of proffesional/personal liabilty insurance.?

I may need a $10 million of proffesional liabilty insurance. I'm a salesman and I got a dui/dwi. The company I work for is afraid since the automobile and buisness liability insurance is tied together that if they won't insure me for driving the company vehicals, they won't insure me for the $10 million of proffesional liabilty insurance needed to get into steel mills.

I sell air-conditioning to steel mills in the midwest, usa. I do not work on or repair the air-conditiong. I measure the space and design systems, but I need to get into the mills to do my job.

I may not need that much to do my job. The people I work for are torn between letting the insurance company find out on there own, the policy needs renewed befor 4-1-08. Or calling them and seeing what the options are ?

So if anyone has any input let me know. Thanks

Personal and professional are two different policies, you know.

Driving cars is auto liability, different from both personal AND professional liability. General liability is different, too.

Yep, measuring the space and designing systems is a professional liability exposure. Going into steel mills, it's going to cost A LOT.

The people you work for are probably just going to let you go. That's the cheap way out for them. It's easier to get a new salesperson than it is to fight the insurance companies, and double their premiums for the whole fleet.

And no mill is going to let you on premises, unless you have professional, general, nonowned and owned auto liability coverages.

Trust me, they'll run the mvr's 70 days before the renewal, and either double the premiums for the whole fleet, or more likely, require an operator exclusion form FOR YOU. And also trust me, you're not going to be able to afford to buy these coverages yourself. You're not talking about a $250 policy here, you're talking about five or six figures, for professional liability in a steel mill.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. SOme companies run credit scorees and MOST run a motor vehicel report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Then you will need to have your insurance agent write you an underlying policy with limits of $300,000 or $500,000 - and then you will need them get you an Umbrella policy for the $10Million limit. That would be easier (NOT an EASY project, but easier) than trying to find a company that would write a $10M liability policy.

Just talk to your local agent and tell him what you need!

Good luck, drive RESPONSIBLY and I hope this helps