[consulting] Getting Freelance Work

[Matt Chapman]

On Tue, Jun 1, 2010 at 7:20 AM, Sam Polenta <sam.polenta at gmail.com> wrote:
>  I did recently have a
> "done deal" with a University but then the "powers that be" over there
> demanded that I produce some kind of professional insurance. As a
> freelancer! I told them I don't have and it doesn't make financial
> sense to get it. My contact said he would *try* talk to his bosses and
> see if he could work it out.
>
> Is that not weird?


I'm not a lawyer and this isn't legal advice.

If you don't have technical errors & omission insurance, you're just
asking for it. Eventually, you or someone you hired is going to make a
mistake, and some blow hard is gonna cite that for the reason for the
2 day launch delay that somehow cost their company a $100,000 deal,
and you're gonna have a lawsuit on your hands.

You can probably get a half million dollars in coverage for less than
a thousand bucks a year. Seems worth it to me. And I have yet to be
threatened with a lawsuit, or make any mistakes that would lead to
one, but client's like to know you have these things in place. IMO,
that's reasonable.

Let me know if you want a referral to my insurance agent.

All the Best,

Matt Chapman
Ninjitsu Web Development

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