Kevin, you said    "If you are an LLC both you personally and the LLC should be named as insureds on the policy"  My E&O through TIAC only covers the LLC.  So after reading your post I called them and they basically said they wont write dual policies like that, and that I really dont need it, as I will be performing all business as an LLC, the LLC protects me from them coming after me personally.  Now I'm a little concerned, am I missing something?