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