I have run into this before with public companies. I'd try pushing back just to see if the insurance requirement is firm. A lot of times the client doesn't care especially if your project duration is short, you are offsite, etc. I've had the insurance amount reduced or removed all together.
If I recall correctly General/Umbrella insurance is fairly cheap, about $1000 a year for $1m in coverage… E&O can be pricey! Ryan On Wed, Jul 18, 2012 at 12:08 PM, Jan Triplett <[email protected]> wrote: > Pretty standard with government stuff. > > Earlier suggestion to see if this is just a "boilerplate" issue is a good > one. I have seen clients back off from this. It's not so strange when you > consider the potential risk if they are not the end user. No one wants to > see their name in print with no recourse if things go south. > > I also agree, talk to a lawyer. You should have one review the contract > anyway. My go to contracts person is attorney Jeanine Lehman. Jeanine > Lehman <[email protected]> She certainly does a great "translation" job > as well as a great job looking after the interests of her clients. > > > Here's to your success! > > Jan F. Triplett, PhD., CEO > Business Success Center > Sales & Financial Business Management Advisors & Strategists > Twitter <http://twitter.com/jantriplett> > Linkedin<http://www.linkedin.com/profile?viewProfile=&key=27232&locale=en_US&trk=tab_pro> > http://ownersview.com > 512.933.1983 > > > > > > > > > > > > > > > > On Jul 18, 2012, at 9:24 AM, Chadwick Wood wrote: > > Thanks Paul, > > I'm actually working directly with the client, not with a firm. It's my > assumption that the client requires the insurance so that, in case I really > messing something up, there's some money potential in a lawsuit beyond my > company assets (which feels like a weird foot to get off on with a new > client, but I guess that's how the big guns do it?). > > Thanks, > Chadwick > > > On Jul 18, 2012, at 9:18 AM, Paul Menard wrote: > > Chadwick, > > > Disclaimer: you should probably consult an attorney or someone familiar > with contracts. > > > I've been a self-employeed developer for hire since 2006 and just was > looking into liability insurance this Spring. Mainly because I was getting > into larger and larger projects. And those clients are very strict on > timelines and budget. You can just do a google search for 'Professional > Liability Insurance' and find all sorts of underwriters. The purpose of you > having insurance is to limit your liability should you be sued. > > > I think it is strange that your client as telling you that you have to > have liability insurance in order to be a contractor for them. If this is > an agency who works with their own clients then they might have something > else in the contract to the effect that they are not responsible for your > actions regarding their client. Sort of a way to pre-exclude themselves > from damages should their client sue them. So they are basically saying you > will take the heat if something goes wrong. > > > Again, I would seek out someone to review the full contract like an > attorney. And or just pass on the client unless they are really lucrative. > > > P- > > > > > > > On Jul 18, 2012, at 9:48 AM, Chadwick Wood wrote: > > > Hi all, > > > I'm a web developer, and a prospective client (large organization) has > sent me their standard contract, and in it they require contractors they > work with to carry Commercial General Liability Insurance as well as Errors > & Omission insurance. Have any of you run into this before? This is my > first time in 5+ years of doing this work. Does anyone have any info about > it? I'm not sure whether to push back on having that requirement dismissed > (not likely), or if I do buy it, how to go about shopping for it. > > > Thanks! > > Chadwick Wood > > http://coffeeshopped.com/ > > > -- > > Our Web site: http://www.RefreshAustin.org/ > > > You received this message because you are subscribed to the Google Groups > "Refresh Austin" group. > > > [ Posting ] > > To post to this group, send email to [email protected] > > Job-related postings should follow http://tr.im/refreshaustinjobspolicy > > We do not accept job posts from recruiters. > > > [ Unsubscribe ] > > To unsubscribe from this group, send email to > [email protected] > > > [ More Info ] > > For more options, visit this group at > http://groups.google.com/group/Refresh-Austin > > > > -- > > Our Web site: http://www.RefreshAustin.org/ > > > You received this message because you are subscribed to the Google Groups > "Refresh Austin" group. > > > [ Posting ] > > To post to this group, send email to [email protected] > > Job-related postings should follow http://tr.im/refreshaustinjobspolicy > > We do not accept job posts from recruiters. > > > [ Unsubscribe ] > > To unsubscribe from this group, send email to > [email protected] > > > [ More Info ] > > For more options, visit this group at > http://groups.google.com/group/Refresh-Austin > > > -- > Our Web site: http://www.RefreshAustin.org/ > > You received this message because you are subscribed to the Google Groups > "Refresh Austin" group. > > [ Posting ] > To post to this group, send email to [email protected] > Job-related postings should follow http://tr.im/refreshaustinjobspolicy > We do not accept job posts from recruiters. > > [ Unsubscribe ] > To unsubscribe from this group, send email to > [email protected] > > [ More Info ] > For more options, visit this group at > http://groups.google.com/group/Refresh-Austin > > > -- > Our Web site: http://www.RefreshAustin.org/ > > You received this message because you are subscribed to the Google Groups > "Refresh Austin" group. > > [ Posting ] > To post to this group, send email to [email protected] > Job-related postings should follow http://tr.im/refreshaustinjobspolicy > We do not accept job posts from recruiters. > > [ Unsubscribe ] > To unsubscribe from this group, send email to > [email protected] > > [ More Info ] > For more options, visit this group at > http://groups.google.com/group/Refresh-Austin > -- Our Web site: http://www.RefreshAustin.org/ You received this message because you are subscribed to the Google Groups "Refresh Austin" group. [ Posting ] To post to this group, send email to [email protected] Job-related postings should follow http://tr.im/refreshaustinjobspolicy We do not accept job posts from recruiters. [ Unsubscribe ] To unsubscribe from this group, send email to [email protected] [ More Info ] For more options, visit this group at http://groups.google.com/group/Refresh-Austin
