Being a independent contractor we understand you are busy and that a lot of times you just hope that you are covered correctly. That being said, you need to make sure you are covered correctly. A few years ago I reviewed a plumbers policy. I noticed that he did not have Inland Marine coverage for his tools. I know when I said "marine" you are thinking I don't need boat coverage for my business. It is not that. To put it in easy to understand way, I will put it this way. Inla

If you have a "bad" driving record you may be having a hard time getting approved for insurance. It could simply be that you are trying to get insured with a "standard" carrier but you need a "non standard" carrier. Some of the reasons for the "non standard" insurance need may be the following: A DUI conviction Multiple accidents and/or moving violations Bad credit Lapsed coverage Very little driving experience An exotic vehicle Some other areas that are sometimes considered