Business liability insurance is usually quite expensive for what you get, but I got great advice from an insurance pal...
For those only needing self-coverage, attach a business rider to a homeowner or renter policy. If you already carry such insurance, the increase in rates is maybe 1/3 compared to a full policy and can give the exact coverage needed. If you don't already have some sort of personal property insurance, here's a great excuse to cover things like engagement rings, watches, etc. I think adding the business coverage along with items over my normal policy limits was about 1/2 my previous business policy. If anybody needs direct advice, I "know a guy" Contact me off list if you'd like to email him. -Matt Sullivan GRAFIX Training, Inc. An Adobe Authorized Training Center www.grafixtraining.com 888 882-2819 -----Original Message----- From: [email protected] [mailto:framers-bounces+matt=grafixtraining.com at lists.frameusers.com] On Behalf Of Alan Litchfield Sent: Monday, April 30, 2007 6:55 PM To: Pat Christenson Cc: framers List Subject: Re: OT: Business insurance for independent contractors Hi Pat > > Anyway, if anyone here is carrying it, I'd be interested to hear > about your experience. Feel free to contact me offlist. > I have both general business insurance with large public liability cover and where necessary I get professional indemnity insurance. The professional indemnity insurance is the one that is really expensive. I only bother with it on specific jobs, otherwise I ensure that processes are in place where the liability/accountability is held by the client. When I have professional indemnity insurance the cover is only for the specific job and is always a hassle to get sorted. Cheers Alan _______________________________________________ You are currently subscribed to Framers as matt at grafixtraining.com. Send list messages to framers at lists.frameusers.com. To unsubscribe send a blank email to framers-unsubscribe at lists.frameusers.com or visit http://lists.frameusers.com/mailman/options/framers/matt%40grafixtraining.co m Send administrative questions to listadmin at frameusers.com. Visit http://www.frameusers.com/ for more resources and info.
