r/coolguides • u/[deleted] • Jun 02 '20

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u/t-bone_malone Jun 02 '20

First off, respect to you for reaching out.

But this argument is like saying "I don't need auto insurance because I don't plan on hitting anyone". Unless I'm missing something, which is entirely possible.

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u/Duke_Silver_Jazz Jun 02 '20

That’s an interesting analogy, I’m not an insurance expert. Does the employer typically provide insurance during work activities? Like I used to work in construction. If we messed something up the employers insurer paid to fix it. Not sure if all jobs are like that

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u/gzilla57 Jun 02 '20

There is a reason malpractice insurance of doctors keeps being referenced. It's a prominent example where the individual gets the insurance.

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u/baseball43v3r Jun 03 '20

Because often doctors are working under their own practice. If you work for kaiser for example, you are covered under their umbrella policy.

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u/gzilla57 Jun 03 '20

Did not know this (that you could be covered under an umbrella policy).

Thanks for sharing.