I often work as a W2 employee, but I sometimes get freelance opportunities. I write code and do systems administration, and I have examined different insurance products. I want something that is very protective based on the contract work that I get. In my experience, many insurance companies say they do not have a good product for what I am trying to get coverage for. I have tried contacting insurance companies that are more geared toward I.T. services, but still the products have serious flaws. One disadvantage is the list of exclusions. This is a serious concern because when I have an attorney review a client's contract, the attorney advises me that the indemnification clause is too broad. Some attorneys have told me to go to trade associations and see what they use.
The client sometimes refuses to change the contract language. It takes time to get an offer for a new opportunity. Many nerdy I.T. people have low tolerance for risk. How can I find insurance coverage that will protect me against broad indemnification clauses? Or how can I find more clients like those rare ones that do not require indemnification agreements in their contract terms or have no contract at all?