[TriLUG] OT: getting liability insurance

[Jim Ray]

My cousin owns the insurance company, and I've worked with him since I started.



-----Original Message-----
From: trilug-bounces at trilug.org [mailto:trilug-bounces at trilug.org] On Behalf Of OlsonE at aosa.army.mil
Sent: Friday, August 01, 2008 10:27 AM
To: trilug at trilug.org
Subject: Re: [TriLUG] OT: getting liability insurance

You could call Erie Insurance and check with them. They have excellent rates (I use them for homeowner's / car) ...so I'm sure their other coverage's would be comparable as well.

-----Original Message-----
From: trilug-bounces at trilug.org [mailto:trilug-bounces at trilug.org] On Behalf Of Jim Ray
Sent: Friday, August 01, 2008 10:01 AM
To: Triangle Linux Users Group General Discussion
Subject: Re: [TriLUG] OT: getting liability insurance

If you want to team up, I can cover you under my policy and carry $2,000,000 general aggregate liability, $500,000 workers comp and have a $1,000,000 umbrella along with Hartford's "technology stretch" to cover another grocery list of items.

That's what it took for us a few years ago to do some cabling jobs in some buildings managed by Highwoods Properties and NAI Carolantic.

Regards,
 
Jim Ray, MCSE
President
Neuse River Networks
919-838-1672
http://www.neuserivernetworks.com

Neuse River Networks, based in Raleigh, NC, is redefining IT Outsourcing with its Managed Services ONE Plan that automates computer processes to provide proactive computer networking solutions for businesses. The ONE Plan is designed to manage your computer network so you don't have to. Neuse River Networks has been developing client trust since 1997 by applying expertise in Computer Networking and offering superlative service.


-----Original Message-----
From: trilug-bounces at trilug.org [mailto:trilug-bounces at trilug.org] On Behalf Of Joseph Mack NA3T
Sent: Friday, August 01, 2008 9:02 AM
To: trilug at trilug.org
Subject: [TriLUG] OT: getting liability insurance

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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