[TriLUG] OT: getting liability insurance
Joseph Mack NA3T
jmack at wm7d.net
Fri Aug 1 09:01:33 EDT 2008
I'm doing a job where I need to install some extra hardware
at a remote site, pull cable through the ceiling to connect
them and check that they all work together. It's a couple of
hours at the most. (And what I can't figure is why they need
someone else to do the job - I don't know why they can't get
a spool of cable, some tools and a ladder and just do it
themselves - it would be much cheaper and quicker).
The customer wants me to have worker's liability insurance,
although they don't seem to care how much I have (I assume a
bean counter just has to be able to tick off a box). I've
already signed a form saying I won't sue them if I injure
myself through my own negligence. They want the liability
insurance incase I damage some of the already installed
computers. On enquiring about liability insurance, I find
that the insurance company only pays after I'm sued for
intentionally causing damage. It doesn't cover just dropping
a screwdriver on a piece of equipment, which is regarded as
an accident or acts of god, where apparently I'm not liable.
Presumably intentional damage is a problem if I'm hiring a
team of people, who I don't know well, and one of them
decides to deliberately break something. Anyone know if this
description of liability is correct?
I don't have liability insurance, as all my work till how
has just been at the keyboard. I called up Nationwide (with
whom I have car, life and house insurance) and got a quote
of $1000. The agent said that I shouldn't need liability
insurance for this job.
What do you guys do for liability insurance? How much do you
pay? Since I don't have any intention of causing loss of
income or damage, should I have a high deductable?
Thanks Joe
--
Joseph Mack NA3T EME(B,D), FM05lw North Carolina
jmack (at) wm7d (dot) net - azimuthal equidistant map
generator at http://www.wm7d.net/azproj.shtml
Homepage http://www.austintek.com/ It's GNU/Linux!
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