[Hidden-tech] errors & ommisions insurance for web designers

Nancy Salwen nancy at salwen.net
Fri Mar 6 07:06:04 EST 2009


Thank you all for your feedback!

What I gather from what most of you say, is that the cost of E&O  
makes it unrealistic for my small sole-proprietorship and that in  
addition it's probably unnecessary...  but do you worry about being  
held responsible in the event of an e-commerce site that you've  
developed being hacked and a customer (or customer's customer) losing  
money? Maybe I just worry about things too much!

Thanks,
Nancy
______________________________
Nancy Salwen
nancy at salwen.net
http://www.salwen.net
603-357-4693

Salwen Graphic Design
for Marketing and Communication
In Print and on the Web



On Mar 5, 2009, at 11:42 AM, Adell Donaghue wrote:

> On 3/5/09 10:51 AM, "Jeremy Dunn" <jeremy.j.dunn at gmail.com> wrote:
>
>>   ** Be sure to fill out the survey/skills inventory in the  
>> member's area.
>>    ** If you did, we all thank you.
>>
>>
>>
>> Nancy,
>>
>> I agree with Jeremy. I have run a small design/communications  
>> business (including all manner of graphic design, print, web and  
>> environmental signage for close to 20 years). I carry a general  
>> liability policy for $1M in coverage. E&O insurance is generally  
>> carried by print shops (where jobs can run in the hundreds of  
>> thousands of dollars) and larger ad agencies where errors in print  
>> can be costly.
>>
>> Hope this info helps.
>>
>> Adell
>>
>> www.adelldonaghue.com
>>
>> Nancy,
>>
>> Try techinsurance.com
>>
>> E&O insurance _is_ very expensive.   I do not think it is  
>> necessary and do not carry it myself.  I do IT Project Management  
>> and database work where I often have full access to the software,  
>> systems, and proprietary data of my clients, usually under non- 
>> disclosure.  When I have gotten quotes in the past they have often  
>> run in the range of $5000/year, typically based on annual  
>> revenue.  Larger firms will pay more, smaller perhaps a bit less.
>>
>> If you are working on-site at your client locations, a general  
>> liability policy would be a good idea.  This covers any harm you  
>> may do to computer equipment or property that belongs to them.   I  
>> pay $350/year for $1M coverage.
>>
>> - Jeremy
>>> ----- Original Message -----
>>> From: Nancy Salwen <mailto:nancy at salwen.net>
>>> To: hidden-discuss at lists.hidden-tech.net
>>> Sent: Thursday, March 05, 2009 9:28 AM
>>> Subject: [Hidden-tech] errors & ommisions insurance for web  
>>> designers
>>>
>>>    ** Be sure to fill out the survey/skills inventory in the  
>>> member's area.
>>>    ** If you did, we all thank you.
>>>
>>>
>>>
>>> Hi Everyone,
>>>
>>> I am interested in hearing what other web designers are doing  
>>> about errors and omissions insurance - do you guys think it's a  
>>> good idea? I belong to a business group full of non-web designers  
>>> who insist that I should have it - and I do think it would make  
>>> me more comfortable but as I've looked around I see awfully high  
>>> prices - higher that what some medical practitioners are paying!
>>>
>>> Any thoughts or recommendations in general? Any suggestions about  
>>> where to shop for liability / errors and omissions ins. for web  
>>> designer-developers? Are there associations with good group  
>>> rates? I've looked around but not found any...
>>>
>>> Thanks so much!
>>> Nancy
>>> ______________________________
>>>
>>> Nancy Salwen
>>>
>>> nancy at salwen.net
>>>
>>> http://www.salwen.net
>>>
>>> 603-357-4693
>>>
>>>
>>>
>>> Salwen Graphic Design
>>>
>>> for Marketing and Communication
>>>
>>> In Print and on the Web
>>>
>>>
>>>
>>>
>>> _______________________________________________
>>> Hidden-discuss mailing list - home page: http://www.hidden-tech.net
>>> Hidden-discuss at lists.hidden-tech.net
>>>
>>> You are receiving this because you are on the Hidden-Tech  
>>> Discussion list.
>>> If you would like to change your list preferences, Go to the Members
>>> page on the Hidden Tech Web site.
>>> http://www.hidden-tech.net/members
>>
>> _______________________________________________
>> Hidden-discuss mailing list - home page: http://www.hidden-tech.net
>> Hidden-discuss at lists.hidden-tech.net
>>
>> You are receiving this because you are on the Hidden-Tech  
>> Discussion list.
>> If you would like to change your list preferences, Go to the Members
>> page on the Hidden Tech Web site.
>> http://www.hidden-tech.net/members
>

-------------- next part --------------
An HTML attachment was scrubbed...
URL: http://lists.hidden-tech.net/pipermail/hidden-discuss/attachments/20090306/c227438c/attachment.html


Google

More information about the Hidden-discuss mailing list