My colleagues have been right on the money with this one, I believe. If one has a reason to establish a separate legal entity like an LLC for purposes of added protection, then one has a reason to maintain that separation throughout all of their insurance plans. Many times I have seen a business set up as an LLC to use this example, with their General Liability established accordingly, but then break down that protection by registering the business – use vehicles in the name of an individual. That can lead to a serious breach in insurance protection. There are both legal and economic issues at stake that need to be addressed by professionals in those fields. Your INsurance Professional can and should be part of your advisory team and can provide the coverage you need.