Reply to: Anyone know of a Contractor sued by an Agency or Client, ever?

[SueEllen]

so as a lowly one man band office worker what insurance do you need?

public indemnity insurance - I am not a builder
professional liability insurance - YES
employers liability insurance - 1 employee

Public indemnity insurance is for the cases when you work for a client who shares office facilities like kitchens and toilets with other companies in the same building. So if you accidentally tripped someone up and they broke their leg then the insurance will pay out.

BTW you also need business insurance on your car. As an add on it costs nothing to £30.

[Drei]

muchas gracias

[northernladuk]

so as a lowly one man band office worker what insurance do you need?

public indemnity insurance - I am not a builder
professional liability insurance - YES
employers liability insurance - 1 employee

Which policies should I consider?

The three most common insurances held by freelancers and contractors are Professional Indemnity Insurance, Public Liability and Employers Liability. Broadly speaking, these cover you against negligence in various circumstances.

Contractor Insurance - Contractor Weekly

and some other reading...

http://www.contractoruk.com/insuranc...nce_guide.html

etc.....

[Drei]

so as a lowly one man band office worker what insurance do you need?

public indemnity insurance - I am not a builder
professional liability insurance - YES
employers liability insurance - 1 employee

[northernladuk]

If I should post another question I'll remember to keep it really simple.

There is another option you could consider

[mdw]

You said in your first post that insurance was a rip off which is why my entire first answer was that it wasn't.

In future I'm going to quote your posts in full.

The thing being asked was the bit that ended with the '?' character.

If I should post another question I'll remember to keep it really simple.

[cojak]

You said in your first post that insurance was a rip off which is why my entire first answer was that it wasn't.

In future I'm going to quote your posts in full.

That's what to do.

PS. Google casheing is your friend.

[WTFH]

I don't work in the finance sector, the implications of my actions are far less important than money - in my last client if I made a mistake in the production system it only meant someone's life might not last as long.
Never mind the end user, while I was there they had a warehouse user spend 6 weeks in hospital due to accidental exposure to cytotoxic drugs, thankfully not my fault, they were using the old system.




Currently in a business meeting discussing the radioactive half life of certain products and how the IT systems need to meet the demands.
The product is manufactured on the other side of the world based on the length of time to get it to the operating theatre in the hospital and the day and time of the operation.




If I design a bad solution, I'm responsible for it. The business may sign it off, but they are not responsible for the technical design.
If you're not responsible for your actions and you report to a "manager", then you're right - you probably don't need insurance. It sounds more like you are an employee.

[MrMarkyMark]

Some gigs you won't get on site without insurance.
In any case, I would rather have it it often I have had to configure live systems...

Often fixing the attempts of the Perms

[SueEllen]

It was a greenfield payment system for a govt dept. They demanded it, but none of the banks I where worked on live internet banking development ever asked for it.

If anything went wrong anyway, it would really either be down to the testers, or manager who signed off on it.

If you tripped someone up in the lift of a shared building and they broke their leg so couldn't work for 3 months then you would be liable. Lots of banks and other companies in the UK ask for various types of insurance.

[SueEllen]

No, the point of the thread is the title. You singled out the comment about insurance and sidetracked it off about that.

You said in your first post that insurance was a rip off which is why my entire first answer was that it wasn't.

In future I'm going to quote your posts in full.

[WTFH]

No, the point of the thread is the title. You singled out the comment about insurance and sidetracked it off about that.

OK, your thread, your edits.


I know of contractors who have had high legal costs for the process of taking an agent to court in an effort to resolve non-payment at the end of a contract and the spreading of falsehoods. I know of agents who have threatened to counter-sue should the contractor's case be successful.
It's exactly the same in other businesses - e.g. when clients take building contractors to court for perceived failures in a construction project or when customers take suppliers to court over the quality of their product.


(I didn't mention insurance in there once, but if I did, I'd say that £300 a year is a small cost when legal fees quickly mount up to £10,000)

[mdw]

Nice edit on your first post to remove all the references to insurance being a rip off.

That was the point you were making, wasn't it?

...Admin, can we stop people from editing their first posts if it destroys the point of the thread?

No, the point of the thread is the title. You singled out the comment about insurance and sidetracked it off about that.

[WTFH]

Nice edit on your first post to remove all the references to insurance being a rip off.

That was the point you were making, wasn't it?

...Admin, can we stop people from editing their first posts if it destroys the point of the thread?

[mdw]

This is a UK forum. How much are you paying for contracting in UK/Europe?

Beer in Japan is expensive. That doesn't mean beer around the world is expensive or that beer companies are fleecing everyone around the world.
If your experience is limited to one country, then your experience is, um, limited.

Yeah, I couldnt believe it was only a couple hundred quid here when I got back.