Client saying insurance is "Compulsary"

[ladymuck]

Current client is planning to change to £10m professional indemnity for each and every claim. A quote for £5m comes in at £1200. Getting £10m will require a specialist broker, I suspect.

[NotAllThere]

While at client site, a permie trips over your rucksack and badly breaks their leg. Client sues you for their loss - his salary for three months, plus the cost of replacement.

Public liability is a no-brainer. You need it.

[Paralytic]

And tell your client to learn how to spell too.

[rossb2]

Current client is planning to change to £10m professional indemnity for each and every claim. A quote for £5m comes in at £1200. Getting £10m will require a specialist broker, I suspect.

£10m, what are you, a film star LOL. Never had anyone ask for more than £1m. I have had PI cover for the last 20 years. £1200 sounds high for £5m. Maybe give Qdos a try?

[eek]

£10m, what are you, a film star LOL. Never had anyone ask for more than £1m. I have had PI cover for the last 20 years. £1200 sounds high for £5m. Maybe give Qdos a try?

When an airport closes due to your screw up things could get very expensive, very very quickly...

[PerfectStorm]

While at client site, a permie trips over your rucksack and badly breaks their leg. Client sues you for their loss - his salary for three months, plus the cost of replacement.

Public liability is a no-brainer. You need it.

Or you spill your coffee on someone...

[ladymuck]

When an airport closes due to your screw up things could get very expensive, very very quickly...

Those toilets don't unblock themselves

[pauldee]

I'm thinking of getting some building work done soon.

Recently in my neighbourhood, someone had some building work done which resulted in a section of the house collapsing. Customer's home insurance didn't cover negligent workmanship. Builder didn't have insurance. Customer chased builder to cover cost, builder folded company.

I'll be insisting my builder has proper insurance in place.

[JoJoGabor]

I'm thinking of getting some building work done soon.

Recently in my neighbourhood, someone had some building work done which resulted in a section of the house collapsing. Customer's home insurance didn't cover negligent workmanship. Builder didn't have insurance. Customer chased builder to cover cost, builder folded company.

I'll be insisting my builder has proper insurance in place.

I went through a load of grief asking a builder to show me their insurance before they started knocking walls out. They grumbled and dragged their heals, sent me wrong paperwork etc but they did have it. So glad I did insist after hearing this story.

[JoJoGabor]

To the OP. Get the insurance. QDOS allow you to get it monthly (I cancelled mine recently half way through the year) but bear in mind how long it might take a client to make a claim against you. It may be 2 or 3 months after the contract has finished that they realise your code has just broken all their main business systems and decide to claim against you, so you will need to have the insurance in place at the time of the claim