As a VA getting business insurance is very tricky, particularly in Canada. None of our Canadian VA associations provide insurance in this department, and yet when I try to go with an outside source they look very confused when I tell them what I am.
Even with much describing and hand holding, and after answering a zillion questions more than once, it seems I still don’t fit into any of their pre-made templates – I certainly don’t fit their description of a “home based business” if you can believe it! – and therefore because I am an unknown (to them at least), this makes me a risk. And as we all know in the world of insurance, risk = big money.
The sticky point seems to be the fact that I have a website, and that is part of what makes me not fit into the “home based business” category. Which to be completely honest, I think is total bunk. Of course anyone who does not have any kind of a physical storefront needs to have a website – how else can we be found? How else does anyone out there know we exist? And these days everyone and their dog has a website whether they have a business or not!
Get with the times you archaic insurance companies! There must be some company out there that has what I, and other small home-based businesses with an Internet presence, need.
If anyone has any suggestions I’d love to hear them!