Presented by Bill J. Ritman, La Jolla Professional Insurance Associates, Inc.

What if you broke a valuable antique while doing an appraisal? Ever worry if a client might sue you because they didn’t like your value conclusion? What if your insurance company refused a claim because the loss happened during the business use of your car? Ever need personal liability coverage for a very large job?
There are all kinds of problems that can arise for a sole practitioner or small business that involve insurance coverage. While it is a subject we often wish to ignore, one sad event or disaster, as low as the odds may seem, could put us into a terrible financial mess.
Bill Ritman is a true professional. An independent agent, he represents some of the most prestigious and trusted insurance companies in the world, covering many different types of insurance liability. Chubb, Mercury, MassMutual, Hartford, St. Paul/Travelers, Allied (Nationwide), Safeco, Zurich, Fireman’s Fund, etc. Prior to opening his own business in La Jolla, he was an award winning Allstate agency owner. He is currently Treasurer of the SD Chapter of the CPCU (Chartered Property & Casualty Underwriters).
Bill will give a presentation on types of liabilities appraisers might face and products that can provide us some protection from these unexpected problems. As an independent agent, Bill is most concerned with providing you with facts and information. Come, learn and ask questions. It could help you avoid a serious problem.
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