Here are the answers to some questions you may have:

  1. Q. Is this available in Australia or Canada?
    A. Coverage is available only in the 48 Continental United States and Alaska.See our affiliate page for an insurance carrier for Canadian coverage.

  2. Q. Does this policy take the place of my home owner's policy coverage?
    A. Most homeowner's policies provide coverage for you and your family and exclude business exposures. There are expensive endorsements that provide limited coverage for in home business ventures. This program provides coverage that will follow you wherever you are conducting business. Whether a person is in business one day or ten years, the most mundane event can cause someone to sue. Just the cost of defense can take everything away that a person and their family have planned and worked for, even if they win. One can always get sued whether they are at fault or not. Here are a few examples outside a fair or show which can result in a lawsuit: cause damage to someone’s property, table or floor, Injure a host, guest or child. The Liability Policy provides coverage for claims related to your business activities away from your home. WHEN DEALING WITH LOTS OF PEOPLE ANYTHING CAN HAPPEN.

  3. Q. Does this policy protect me if someone gets hurt at one of my parties or sales appointments?
    A. Yes, the host or customer's home owner's policy may also provide some protection, but this policy gives you protection regardless of whether other policy coverage may be available. It removes any questions if there is coverage or not.

  4. Q. If I buy this policy as a sales leader with a downline, does the policy also cover my downline team members?
    A. No. Each individual independent seller must purchase their own coverage. One fee does not provide coverage on any other independent sales person. This policy covers your personal sales and related business activities. For example, it will cover any claims arising from anyone that is somehow injured when attending one of your training sessions, should you be found negligent. It will not cover a claim made arising out of an individual business activity of your downline members. They must purchase their own policy.

  5. Q. If I leave the business can I cancel the one year subscription?
    A. No, the annual fee paid is non-refundable.

  6. Q. If I leave my current company and join another direct selling company, can I continue my coverage under the policy?
    A. No. The policy is individual to you and is contingent upon your independent contractor status with each particular company. The only qualifying conditions for being a policy holder are: You must be an Independent Distributor seller in good standing with your represented direct selling company and a member of the Independent Direct Seller Association (IDSA). You must be an active Independent Distributor/Consultant at the time of loss for loss arising out of your sales activities.

  7. Q. I want the coverage so how do I apply?
    A. By enrolling and paying the premium/fees at this site

  8. Q. Does providing my own insurance impact my status as an independent Distributor/Consultant and running my own business?
    A. Yes and in a positive way. Providing your own insurance is another proof that you are indeed an independent contractor running your own business. It strengthens your position as an independent business person.

  9. Q: If I have a claim who do I contact?
    A. All claims can be reported to: Minuteman Adjusters, Inc. 220 Kaufman Financial Center 30833 Northwestern Highway Farmington Hills, MI 48334 Phone: 800.521.1918, extension
    #2 or email:

  10. Q: How do I get a copy of my policy?
    A. A copy can be viewed or downloaded from this site after you enroll and pay for your policy using the password and email address you provided during the enrollment process.
  11. Q: How do I join the Independent Direct Seller Association?
    A. By enrolling in this insurance program you will automatically be enrolling in the association. (IDSA).

  12. Q: Can anyone enroll?
    A. Because we must look at the nature of the product being sold, we must qualify all direct selling companies. When you enroll you need to select from the approved list of companies the one you represent. If your company does not show up on our list then our insurance carrier has not approved issuing a policy to cover your activities on their behalf. We cannot write policies unless your company is on the approved list of companies. Remember coverage will only be for you as a sale representative for the company you register for as an authorized representative.

  13. Q: Can I rely on the Summaries of coverage to represent my policy?
    A. All policy conditions and coverage’s are governed by the actual policy. All summaries and outlines are for your reference to give you an overview of coverage’s offered. You may get a copy of your actual policy after enrollment by supplying your password and email address at the sign in prompt.

  14. Q: How long is the coverage good for?
    A. Every policy is for one year from the date you enroll. You will be notified, by email, to renew. We will attempt to send you notification prior to your expiration; however we will not be responsible for expired coverage. You must renew in order to have continuous coverage and it is you responsibility to see that this action is taken.

  15. Q: Are all requirements from a certificate holder automatically included in the certificates?
    A. No. Certain conditions will not be covered by your certificate, for example; Primary and non-contributory language or provisions. We will include additional insured’s as required by written contract. There will be an addendum to the certificate that will disclaim any provisions that will not be provided for under the certificate. Most likely these conditions will not pose any problem for certificate requests unless they are legally extreme.

  16. Q: Can I get coverage if I have losses in the past?
    A. We are looking for quality client who runs the activities under close supervision and in a professional manor. If you have a claims history you may not be eligible for this program.

  17. Summary:
    • This important business liability insurance program, at these highly affordable rates, is only possible because of your active membership in the Independent Direct Seller Association in combination with your Independent Direct Sales Business.
    • The policy provides $2 million in liability per occurrence coverage for claims arising out of your individual direct selling business activities and access to certificates of insurance as needed at no extra cost.
    • $50 Deductible on Property Damage Liability Coverage.
    • $3,000 Property Coverage for your goods with a $50 Deductible.
    • $10,000 for Data Breach Expense.
    • The policies are for a 1 year term with an annual cost of $75.00*.
    • Coverage is available in all 48 Continental United States and Alaska.
    • Coverage is not available for representative’s selling self-defense items, wine and liquor or if your company is not on our approved list at enrollment.
  18. Need other products?
  19. Q: Are other products available for my business?
    A. See Affiliates Page and select the IDS affiliate.

  20. Q: How do I edit my email address and Password?
    A. After signing in go to your name in the upper right side of the page and click on your name. This will take you to your edit screen so you can change your password or email.

    You must be an active Independent Distributor Member of the Independent Direct Seller Association and an Independent Representative of a Direct Sales Company, either Party Plan or Network Marketing Company for the insurance to be valid.

    * Non-refundable.