[Hidden-tech] certificate of insurance question

[Daniel Whitford]

Here’s a perspective on the topic from another source (media and advertising) who has some experience in this area:

 

“Yes, I have encountered this issue before.

For many years I operated as a sole proprietor.

During that time I carried a one million dollar personal liability policy to cover any issues arising while shooting in the field.

Although it didn’t happen often, when clients requested it, I had my agent fax the certificate directly to the client.

I know the rates have gone up over the years but a policy of this type is usually less than $1000 annually.

As for the worker’s comp portion…that would generally not apply unless you had employees.  Not sure what Mass. Law is on that one.

Best bet is to call your agent to discuss the options in your state.”

 

Best regards,

Dan Whitford

Pioneer Valley Technical Solutions

 

 

From: hidden-discuss-bounces at lists.hidden-tech.net [mailto:hidden-discuss-bounces at lists.hidden-tech.net] On Behalf Of Marcia Yudkin
Sent: Wednesday, January 04, 2012 5:09 PM
To: Hidden-Tech Tech; Tom Adams ~ Reelife Productions & Folktography
Subject: Re: [Hidden-tech] certificate of insurance question

 


Hi Tom,

When faced with a situation like this, I have simply told the client I am self-insured. Then I ask, Can they waive this requirement?  Every time the client found a solution, such as being able to have me covered under their policy or XXing that requirement out of the contract.

Marcia Yudkin
Goshen

--- On Wed, 1/4/12, Tom Adams ~ Reelife Productions & Folktography <tomadams at gmail.com> wrote:


From: Tom Adams ~ Reelife Productions & Folktography <tomadams at gmail.com>
Subject: [Hidden-tech] certificate of insurance question
To: "Hidden-Tech Tech" <hidden-discuss at lists.hidden-tech.net>
Date: Wednesday, January 4, 2012, 10:38 AM

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Hi hidden techers,

 

I just landed a big job but the client just emailed me the following:

~~~

"Your proposal looks very good. I am going to process the paperwork today.  However, I will need a copy of your Certificate of Insurance showing General Liability and Workers' Compensation coverage.  Can you have your insurance agency forward to me?  Also, we will be sending you a Certification Letter that you will need to sign and mail back."

~~~

 

I am a sole proprietor, and in the 16 or so years of doing business, I haven't needed a "Certificate of Insurance showing General Liability and Workers' Compensation". Any tips on what my response should be or course of action I should take?

 

thank you for any info... oh wise-technically-inclined-ones

 

Regards,

Tom Adams, Director/Owner

Reelife Productions <http://www.ReelifeProductions.com>   - using technology to educate, entertain & enlighten since 1996

Folktography by Tom <http://www.folktographybytom.com> - high quality photography and photo products

Reelife Facebook Page <http://www.facebook.com/reelife> 

Reelife's Youtube Channel <http://www.youtube.com/reelife> 

Folktography's Facebook Page <http://www.facebook.com/folkography> 

 <http://www.linkedin.com/in/tomadams2> Tom's LinkedIn Page

 <http://web.me.com/ReelifeProductions> Tom's "Links Directory"

413.575.9707 • Williamsburg, MA

 


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