Originally Posted by txirrigation
I have both, trust me, you will still get sued. I have workers comp, liability, umbrella, and a lawyer that checks everything yearly to make sure I have separated my personal from business. Sadly, the lawyer says some how some way I am still screwed.
you need some Directors and Officers Insurance! This way they can't come after you if you're the president of your corp (assuming that your company is a corp). D&O went way up this year in CA. Ours went from $6K to over $12K... lots of losses for the insurance companies in CA I guess.