RE: Insurance Question

Subject: RE: Insurance Question
From: "Lauren" <lt34 -at- csus -dot- edu>
To: "'Gene Kim-Eng'" <techwr -at- genek -dot- com>, <techwr-l -at- lists -dot- techwr-l -dot- com>
Date: Fri, 4 May 2007 18:07:09 -0700

Thanks Gene,

I'll get the full quotes next week, but preliminary "guesses" on the part of
the broker suggest a possible 10-fold difference. The broker also mentioned
that I should put in a waiver for the release of the documents, which would
cover indemnity.

It might be the case that if I have a very good contract that could get
touchy, then I would need the E&O, otherwise, the GL might suffice, but a
waiver, from what you are saying, is still a good idea.

Lauren


> -----Original Message-----
> From: Gene Kim-Eng [mailto:techwr -at- genek -dot- com]
> Sent: Friday, May 04, 2007 2:26 PM
> To: Lauren; techwr-l -at- lists -dot- techwr-l -dot- com
> Subject: Re: Insurance Question
>
> If your contracts specify "work for hire" (the client owns
> the copyrights
> for what you produce), they should also specify that the
> clients' sign-off
> on work you turn in or their payment of your invoices for that work
> represents their validation of contents and assumption of all
> liability for
> consequences arising from its use. Never sign an agreement that hands
> over the copyrights but does not fully indemnify you against
> all liabilty
> for client-accepted work.
>
> However, keep in mind that even if you can't be held liable,
> if someone
> sues you there will still be expenses involved in
> establishing that. I
> would get quotes for both GL and E+O and break down how much
> it works out to on an hourly basis for your anticipated working hours.
>
> Gene Kim-Eng
>
>
> ----- Original Message -----
> From: "Lauren" <lt34 -at- csus -dot- edu>
> To: <techwr-l -at- lists -dot- techwr-l -dot- com>
> Sent: Friday, May 04, 2007 12:06 PM
> Subject: Insurance Question
>
>
> > I'm looking at corp-to-corp contracts and I need to insure
> my business
> > before doing business with companies. I need to know how
> much insurance a
> > technical writer needs. An insurance broker told me that
> it would be easy
> > and inexpensive to get a General Liability policy, but she
> needed me to make
> > sure that I didn't need coverage for Errors and Ommissions.
> I don't know if
> > I need that coverage because I don't know if faulty
> documentation can create
> > a liability risk.
> >
> > Does anyone have any thoughts about whether I might
> encounter a case where I
> > would need insurance in excess of General Liability?

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References:
Re: Insurance Question: From: Gene Kim-Eng

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