Business insurance and Member insurance

Hi everyone-
We are a coworking space based in Orange County, CA. We’re still getting things set up, but I want to ask if any of you had some advice about insurance.

1.) How were you categorized as a business for General Liability?

2.) What protective services did you recommend to your members? Is renters insurance out of the question because we aren’t actually leasing out space but signing members instead?

Would love some insight! Thanks



chris, our insurance guy says Chubb was his choice because they were the only ones to "get" the concept.

secondly, in our member agreement we recommend they should insure themselves as a business, including both liability and personal property, since personal insurance does not cover business property loss or liability (which by the way I didn't realize until the insurance guy told us this)

Katherine Kern
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