I'm hoping to tune into some industry expectations here... what are the necessary/prudent elements of an insurance policy for coworking spaces, especially security and liability issues with 24/7 members? For over a year, our insurance agent for OfficeXpats (on Bainbridge Island, near Seattle) has STRONGLY recommended that we get proof of business insurance from our after-hours members so that we are not a primary if something happens to one of our members or their clients/guests. She says “If one of the businesses <meaning one of our members> brings in clients and the clients are injured due to negligence on that business owner's part, they must have liability insurance that protects their clients against their negligent acts. Your policy should not cover their negligence.” While encouraging liability insurance for independent professionals seems like a good thing to do, do we need to put that hoop in the way of our members? With coworking being a more common business model these days, is there a type of policy we could talk to our agent about? Thanks, Leslie
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