Frequently Asked Questions

Here are the answers to some questions you may have:

Q. Is this available available in Australia or Canada?

A. Coverage is available in the 48 Continental United States and excludes HI and AK. Canadian Independent Distributors who are members of the DSWA are also qualified to take advantage of this program.

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; however the strength of the DSWA program is that it 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: Accidentally knock over a lamp, cause damage to a carpet, table or floor, Injure a host, guest or child, say something that someone else deems inappropriate, etc. The DSWA Individual Member Liability Policy provides coverage for claims related to your business activities away from your home. WHEN DEALING WITH LOTS OF PEOPLE ANYTHING CAN HAPPEN.

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.

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 distributor will purchase their own coverage. One fee does not provide coverage for the entire downline. 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 member.

Q. If I leave the business can I cancel the one year policy?

A. Yes, if you are on a monthly payment plan you will be charged any unpaid balance due on the annual fee as a final charge.

Q. If I leave my current company and join another direct selling company, can I continue my coverage under the policy?

A. Yes. The policy is individual to you and to DSWA and not contingent upon your independent contractor status with any particular company. The only qualifying conditions for being a policy holder are: You must be an Independent Distributor member in good standing of the DSWA. You must be an active independent Distributor/Consultant sales person with a direct selling company doing business in the United States. You must be an active DSWA member and a Direct Sales Independent Distributor/Consultant at the time of loss.

Q. I want the coverage so how do I apply?

A. The application form can be found on the DSWA website.

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.