How it works

IN Platinum members are automatically enrolled in our group General Liability Insurance product. A certificate of insurance is typically provided to you via email within 3-5 business days of becoming a Platinum member or renewing your Platinum membership.

Your insurance coverage is effective from the time you enroll up until the end date of your annual membership. See policy details for more information.

How does General Liability Insurance protect me?

When a claim or lawsuit is brought forth, this vital coverage can pay for your legal defense and pay medical costs for an injured party. Liability lawsuits are particularly dangerous because individuals can make liability claims after an incident occurs.

Why do I need General Liability Insurance?

As a direct seller, you’re constantly interacting with clients. Most of the risk of conducting business lies with the seller, not the company you’re selling for. Having an event in your home, selling and advertising on social media and elsewhere online, attending an event to sell your product or simply selling products to friends, family and strangers are all examples of situations most sellers encounter through their business activities.

Most importantly, homeowners, renters and umbrella plans do not insure any of these business-related activities. This is a common misconception for those running a home-based business. The majority of these insurance products specifically exclude these acts, which would result in a denied claim and placing the costs entirely on you.

Policy highlights

• Exclusively created for Platinum members of IN
• Protects you at meetings, events and shows anywhere nationwide
• Coverage limits of up to $1,000,000 per occurrence
  • Personal & Advertising Injury limit: $1,000,000
  • Medical Expense (any one person) limit: $5,000
  • Damage to Premises Rented to You limit: $300,000
  • General aggregate (annual) limit: $5,000,000
•  $0 deductible – pay nothing for covered losses
• Coverage for damage to property rented to you
• Underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide is an A.M. Best “A+” (Superior) XV-rated carrier.
• See policy provisions and exclusions for more coverage information

Disclosures

• Policy is underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. Nationwide is an A.M. Best “A+” (Superior) XV-rated carrier.
  
  
• All policy related documents and communications are delivered in electronic format where allowable by law. For complete details on coverage and exclusions, please refer to the policy form.
  
  
• This General Liability Insurance program is administered by IN and PRO Insurance Managers. Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features. Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns