2 questions for those in private practice

[Guest guest]

greetings,

i need some input!

i am part of a group of 7 women who are opening a wellness center/day spa focused on pregnant and parenting familes. i am also on of the 5 ibclcs in a cooperative practice that currently does home visits, but will also be housed within the wellness center when it opens. 2 questions have come up:

1) we are being told that in addition to having indivdual liability insurance (which we (the ibclcs) all do, that the pracice must have generall liability insurance to cover the square footage portion that we will occupy of the wellness center (in addition to the wellness center having liability insurance.) do any of you with similar set ups have such a policy, and if so, from where, how much, any insights, etc.?

2) what is our ethical and legal liability in terms of carrying herbs and remedies for various lactation ailments - gentian violet, lecithin, herbal galactagogues, grapefruit seed extract, fenugreek, etc. i know many ibclcs do carry such products, and others do not. any guidance there?

thanks!

Lyla