As we open MalamaDoe, our insurance agent requires a copy of each member's 
Certificate of Insurance.  Pretty straight forward for folks who have a 
business, BUT what about telecommuters working for a company?  This CPA 
telecommuter does not own a business and, hence does not have business 
insurance.  She is the ONLY telecommuter at her company, so she and her 
company have no experience securing insurance or statement of coverage 
applicable for coworking.  What can you suggest?  How do you handle 
certificates of insurance for telecommuters?  Julie

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