Today has been disheartening. Due to my bipolar disorder I was discriminated against.
My husband and I have opened up a new website design business and working hard to get all of our ducks in a row. The final step was to get business insurance before we officially opened up shop.
We contacted our local insurance broker to help us out. He found us a good deal through The Hartford Insurance Company, a reputable company who’s been in business a lot of years. We were excited! Although, they (in my opinion) were a bit sneaky and did some deep digging. They searched out our business website. Fine tooth combed through our website clients and found my BipolarMe website. Which I’m fine with, got nothing to hide. Until it was used against me.
As I was not in contact with them directly, only through our broker. Our broker communicated between us. What should have been a simple cut and dry process, quickly turned difficult. The Hartford began having a lot of questions about my website BipolarMe.
They went through a registrar and found my name and picture attached to the website. Apparently, they didn’t like that. I was asked what kind of website it was. I explained BipolarMe was a website like many others that was informative and helps bring bipolar disorder awareness. I was clear it was NOT a site replacing advice or care from a doctor. That we had a clear disclaimer on our website stating to the fact. Per our broker they didn’t like the personal nature of my website.
Unfortunately, it led to more questions (I’ll spare you all the rest). Each pertaining to my having bipolar disorder. In a nutshell, unless I removed my name and picture from any website I’m attached to, I was going to be denied business insurance through them.
When I got the call from our broker, frankly it left me in tears and depressed! How do they have a right to discriminate against me for having bipolar disorder? Isn’t that violating civil rights? I have so many questions!
My husband and I discussed the matter further with our broker (who totally agreed with us) and we are now looking for another insurance company to do business with.
I’m honestly taken aback by all of this. What should have been a great experience opening up our business has turned a bit sour.