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Employed: means you are an employee of an entity and receive IRS tax form W-2 (or an unpaid volunteer). You do not have ownership in an entity that issues your W-2 and/or performs professional services for which coverage is requested.
Self-Employed: means you either practice as an independent Solo Practitioner or as an Independent Contractor for which you receive an IRS tax form 1099.
A. Self-Employed Applicants: If you have or plan to hire employees and/or independent contractors and you wish to be insured for their actions, please apply as a Business Owner.B. If you work as both self-employed AND employed and would like to exclude from your coverage work you perform for any employer, please visit www.proliability.com/faq for further information.C. You must select Self-Employed if you work for an Employer that you know at the time of application does not purchase professional liability or their policy does not cover your work.
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