[IxDA Discuss] General & Professional Liability Insurance

[Barbara Ballard]

On 1/22/07, dnp607 <dnp607 at pacbell.net> wrote:
>
> I've used "The Hartford" insurance with great success. Just google
> "the Hartford Insurance) and go under Small Business. It's actually
> not very expensive for that level of coverage (1M)
>

I've done the same as 3 person company.  The nicest thing about having
it is not protection from anything I might do wrong, but protection
from specious accusations.

As a side bar, in recent negotiations with a large client of mine,
they tried to apply the standard agreement for all vendors, large and
small, to me.  I got them to get rid of drug testing requirements and
significant amounts of indemnification (no, I am not indemnifying
their customers ...); they also lowered the liability insurance
requirements from $5M to $3M (combined).

In short, it pays to negotiate.

-- 
Barbara Ballard
barbara at littlespringsdesign.com 1-785-838-3003