Separate business insurance policy for assumed name (dba)?

Maybe both.

Yes, on some package policies I've written, with 'common ownership', the list of "named insured" businesses operating under the one umbrella, has been very extensive. But this is generally for LARGE accounts, for example, like someone who owns 8 malls, 4 restaurants, 6 grocery stores, etc. LARGE package policies.

If your photographer's insurance is on a BOP, a business owners policy rather than a package, it's quite possible that you cannot add a different business type, retail, to a service type BOP policy. It's also possible that the insurance company you have your business insured through, flat out doesn't write retail shops.

Or, maybe it IS possible, but you have an inexperienced agent (not likely, if you're truly talking to the COMPANY) who is giving you bad information.

You also should maybe be asking, is there a package policy available where we can write both businesses, with "common ownership" (you'll need to use that phrase) onto the same package.

Not knowing what TYPE of policy you have, or the carrier, it's impossible to really answer this accurately, though. It really could be any of the above.

It's true. The first policy covers photography services (that's one class of risk). The second policy will cover retail (that's a different class of risk). Pay the additional $500 premium.

you'll might want to examine contained in the DBA everywhere you'll function your DBA. even if that is Minnesota, you'll examine in on the state aspect. even if that is New Jersey, you'll examine in on the county aspect, interior the county in which your organization is placed. (each and each and every and each and each and every state has its very own guidelines for the position sole proprietorships -- unmarried-proprietor DBAs -- examine in, in a large number of circumstances both state or county.) interior both case, you're actual perfect that you may want to examine on your DBA. To open an organization monetary corporation account below a acceptance that couldn't your guy or woman legal call, you'll choose filed registration information proving that you're the owner of that commerce call. brilliant of fulfillment!