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As an independent contractor, am I covered by LifeVantage’s insurances or do I need to have some coverage of my own?

Both. Each enrolled LifeVantage Independent Distributor is covered under LifeVantage’s product liability policy. Section 9.3.2 – Product Liability Coverage, of the LifeVantage Policies and Procedures states, “LifeVantage’s insurance policy extends coverage to Independent Distributors as long as they are marketing LifeVantage products in the regular course of conduct and in accordance with Company policies and applicable laws and regulations.” However, homeowner’s insurance policies do not always cover business related injuries, theft or damage to inventory or business equipment. According to Section 9.3.1 – Business Pursuits Coverage, “Each Independent Distributor should contact their insurance agent to make certain that their relevant property is protected. In the U.S., this can be accomplished with a simple ‘Business Pursuit’ endorsement attached to [a] homeowner’s policy.”

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