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

[Nancy Salwen]

Hi Paul,

This is very useful - when you say "partnered with eCommerce  
providers", do you mean that you're subcontracting another developer  
or company, or do you mean you're using an online service like  
authorize.net or paypal? Or something different...?

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 6, 2009, at 9:41 AM, Paul Stallman wrote:

> I agree with what everyone has been saying.  For one, we are  
> partnered with eCommerce providers.  We no long do any of our own  
> eCommerce programming.  It’s just not worth it today.  As a result,  
> the security issues fall on the company that programmed the  
> software and the client.  In order to be PCI compliant anyway a  
> site shouldn’t be storing peoples credit card info unsecured or  
> unencrypted.  When we are finished setting up a store for a client,  
> they assume all responsibility for the management of that store  
> after we hand it off.
>
> And for the record, we do some pretty big eCommerce stores for  
> clients and have never run into a problem.  Where’s some wood?
>
> Paul Stallman
> Managing Director
> paul at alias-solutions.com
> 413.364.6147
> alias|solutions
> www.alias-solutions.com
>
> From: Nancy Salwen [mailto:nancy at salwen.net]
> Sent: Friday, March 06, 2009 7:06 AM
> To: Adell Donaghue
> Cc: Jeremy Dunn; hidden-discuss at lists.hidden-tech.net; Paul  
> Stallman; Marcia Yudkin
> Subject: Re: [Hidden-tech] errors & ommisions insurance for web  
> designers
>
> 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
>
>
>
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