# insurance question

**URL:** <https://boards.straightdope.com/t/insurance-question/112387>\
**Category:** In My Humble Opinion\
**Created:** [June 4, 2002, 10:35pm UTC](https://boards.straightdope.com/t/insurance-question/112387 "2002-06-04T22:35:02Z")\
**Posts on this page:** 5\
**Page:** 1

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**Author:** ![kore](https://avatars.discourse-cdn.com/v4/letter/k/b5a626/32.png) [@kore](https://boards.straightdope.com/u/kore)\
**Post date:** [June 4, 2002, 10:35pm UTC](https://boards.straightdope.com/t/insurance-question/112387/1 "2002-06-04T22:35:02Z")

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Hope this is the right place for it, as I’m in need of some advice!

I have a client who’s setting up a web site that does classified ad sales for hotel oweners. People that own hotels or motels and are looking to sell them can go to the site, fill out a form, and post an ad. People wanting to buy a hotel or motel can go, search for whatever criteria, and see what’s available. Seems pretty basic. He’s looking into insurance options and has asked if I can ask around for recommendations on this.

Any ideas on what sort of policy/coverage he’d need? I’m guessing some sort of non-liability that his company to be held harmless in case a property isn’t as represented, and that he’ll do his very best to keep everyone’s data safe sort of thing.

Heck, I’m sure by this point, you can see why I need to ask for help!

So – recommendations on the type of coverage? Anyone else doing something similar?

Thanks!

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**Author:** ![Violet](https://avatars.discourse-cdn.com/v4/letter/v/ebca7d/32.png) [@Violet](https://boards.straightdope.com/u/Violet)\
**Post date:** [June 5, 2002, 1:09am UTC](https://boards.straightdope.com/t/insurance-question/112387/2 "2002-06-05T01:09:08Z")

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See [http://www.acehosts.com/arti17.shtml](http://www.acehosts.com/arti17.shtml) about disclaimers.

I’d also check with an insurance company and perhaps a lawyer.

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**Author:** ![Ringo](https://avatars.discourse-cdn.com/v4/letter/r/779978/32.png) [@Ringo](https://boards.straightdope.com/u/Ringo)\
**Post date:** [June 5, 2002, 1:52am UTC](https://boards.straightdope.com/t/insurance-question/112387/3 "2002-06-05T01:52:39Z")

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A commercial insurance broker is what you need. It’ll cost nothing to find out what’s involved. If you don’t know where to look for one, ask any business owner you know.

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**Author:** ![GingerOfTheNorth](https://avatars.discourse-cdn.com/v4/letter/g/cdc98d/32.png) [@GingerOfTheNorth](https://boards.straightdope.com/u/GingerOfTheNorth)\
**Post date:** [June 5, 2002, 3:07am UTC](https://boards.straightdope.com/t/insurance-question/112387/4 "2002-06-05T03:07:26Z")

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It’s hard to know what to tell you (says the former Commercial Insurance Broker), talk to a BROKER that deals with specialty lines companies. An Agent deals specifically with one company, but a Broker deals with many.

If you’re in Canada, ING Western Union would cover a risk like that. He’d need a CGL at the very least, along with property coverages.

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**Author:** ![kore](https://avatars.discourse-cdn.com/v4/letter/k/b5a626/32.png) [@kore](https://boards.straightdope.com/u/kore)\
**Post date:** [June 5, 2002, 5:46pm UTC](https://boards.straightdope.com/t/insurance-question/112387/5 "2002-06-05T17:46:53Z")

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thanks everyone! will pass the info along and see what we can find.