2 votes
Accepted

Should I sell insurance services for web development projects?

If I understand well what you're proposing, you want to charge a monthly fee to give your costumer the commitment that you will fix some kinds of problems he might have, i.e. "crashes for any non self-...
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  • 136
2 votes

What kind of liability insurances should IT consultants prepare to have in USA?

This is a complicated area and the answers vary from state to state in the US also the contracting firm paying you on the 1099 might have there own idiosyncrasies based on the state where they are ...
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2 votes
Accepted

Client is asking for a copy off my insurance docs, should I share?

This is normal in the UK freelancing market and I am used to having to provide these as part of the onboarding process. The full details are not always asked for as some just want to see cover exists, ...
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  • 136
2 votes

Client is asking for a copy off my insurance docs, should I share?

As it can be expected that you do not have the private funds to cover the extend of your professional liability, this is actually quite normal and reasonable. I used to limit my liability to the ...
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  • 1,030
2 votes

General liability insurance for online business

You will not get one for online work in that way, or if you do it will be expensive. You do not need one if you do not have employees, you visit customers at their premises, and your terms and ...
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  • 1,730
2 votes
Accepted

How to make sure I will get paid by my sibling

Just very bad business on your part. I understand supporting family and everything. However, doing business with family is always a bad idea. The closer you are to family the worse the idea becomes. ...
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  • 17.3k
2 votes

Do you need insurance before you freelance?

You'll need an insurance but only if you're dealing with large businesses, and the amount of the contract is significant. That's generally reserved for an agency. If you're just working as a causal ...
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1 vote

How can I avoid exposure to liability from indemnification clauses as an I.T. freelancer?

TBH, your difficulty in finding insurance is a little baffling to me. Many business insurance providers have policies geared specifically toward IT contractors and freelancers. Most likely what you ...
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  • 474
1 vote

Do you need insurance before you freelance?

This is really a relative question considering the concept of insurance, what country you're doing business in, what your local licensing and business laws require, etc., but to try to give you a ...
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1 vote

Client is asking for a copy off my insurance docs, should I share?

I'd say that you should be careful about sending the full document. An unscrupulous client may be trying to figure out how to get a free paycheck. Turn over this type of information on a specific ...
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  • 5,304
1 vote
Accepted

Unemployment Insurance

Don't, go to an accountant. Go to an affordable one, or go on a one-time consult or whatever option you have to save money on this but you really do need professional advice. If you get this wrong, ...
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  • 1,619
1 vote

How worthwhile is contractor insurance (esp. in Canada)?

Contractor insurance is a basic requirement for working as a freelancer where I work (EU). Most of the contracts I get specifically mention they expect to me have contractor insurance. It costs ...
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  • 1,619
1 vote
Accepted

Freelance Insurance for C2C Arrangement

For my small business - doing software development - I forked out about $1000/yr for just general liability and professional liability. Your mileage may vary. The quote shouldn't take a week, though....
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  • 5,304
1 vote
Accepted

Part Time Freelancing - National Insurance Exemption

Your National Insurance contributions is calculated on total taxable income. The source of the taxable income is irrelevant - thus I suspect its likely you'll have to contribute more National ...
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  • 1,132
1 vote

A way out of getting liability insurance for temporary freelancing?

Yes, absolutely there is. You simply (ha!) need to get them to agree to add the following clause, or some variation thereof, to whatever written agreement you make with them. [The company] agrees to ...
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  • 883
1 vote

Do I need errors and omissions insurance as a freelance (1099) programmer?

I've done freelance software contracting since 1982 and only get Bus. insur. when client asks for it. I have never heard of a programmer being sued. Unfortunately, over last few years, Bus. Insur ...
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  • 149
1 vote

What kind of liability insurances should IT consultants prepare to have in USA?

I have not had a "company" ask me anything about my insurance before. But every time I've proposed work for a government agency (A city or county in California) they have required insurance. ...
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  • 1,366
1 vote
Accepted

What kind of liability insurances should IT consultants prepare to have in USA?

This is quite a strange request honestly. It is even stranger if you have a proper corporation/LLC that you have established. As a 1099 (sole proprietor) contractor, some of this could be attempting ...
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  • 499
1 vote
Accepted

Freelance Programmer - Workers Compensation Insurance

My husband was required to do this when he was an independent TV installation contractor for Sears. Considering what your job entails, the insurance will not be terribly expensive (because you aren't ...
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  • 1,632
1 vote

Should I sell insurance services for web development projects?

Do you host the website on your hardware? If not, then don't offer the insurance. What do you want to insure the client against? Maybe you better sign some agreement where you two will set your ...
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  • 14.2k
1 vote

Hired as a contractor to start Monday, recieved unsigned contract Friday before with unmentioned terms

You can send a letter detailing the conversation, date, time, persons, questions etc, where disputed clauses were said to be "not actionable" and that she signed 'under pressure of the explanation'. ...
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  • 179
1 vote

Hired as a contractor to start Monday, recieved unsigned contract Friday before with unmentioned terms

I would draw a line through any terms that are not agreeable and just say NO to the times that are not agreeable. If they need it signed by Monday they can accept the black lined copy. Otherwise, ...
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  • 1,366

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