Let's say you are working on a project for the client at your office and
someone visits your office and slips on one of the documents for that
client, suffers a debilitating back injury, and decides to sue both you
and your client.  Your agreement with the client will also have some
kind of an indemnification clause wherein you indemnify your client
against third-party causes of action.  If your client is a named insured
on your liability policy, then your insurance is responsible for paying.

But general commercial liability is something more than personal injury,
it includes operations, advertising, completed products, and a lot of
other things.  Let's say that you produced a study or some research for
your client (a completed product) and your client used it as background
for some action or project, and let's say something in that study was
vastly incorrect.  Let's say your client suffered quantifiable $ damages
because they relied on the incorrect information--maybe it will cost
them money to remake something, or they had to hire someone else to redo
the study or research.  Your insurance would possibly (depending on the
policy) cover those damages.

Julia Muney Moore
Public Art Administrator
Blackburn Architects, Indianapolis, IN
(317) 875-5500 x219
   
 
 

-----Original Message-----
From: Museum discussion list [mailto:[log in to unmask]] On
Behalf Of Deb Fuller
Sent: Wednesday, July 02, 2008 2:16 PM
To: [log in to unmask]
Subject: Re: [MUSEUM-L] Consulting & insurance

On 7/2/08, Marc A Williams <[log in to unmask]> wrote:
> I, too, have contracts that stipulate liability insurance, but some
also
> require workers' comp insurance.  The liability is handled with a
General
> Business Liability policy through Huntington Block (the insurance
folks in
> DC, not the tax people).  We consultants are small potatoes and
generally
> fall into the minimum premium category.  A $1,000,000 policy is
standard and
> runs about $500 annually.  If your clients are serious about LI, they
will
> require you to list them as an additional insured and provide them
with a
> certificate of insurance.  I've had to do this for several clients -
the
> insurance company is used to it and hasn't charged me.  Hope this
helps.

Workman's comp is one thing but I'd expect that you would be covered
under your consultee's insurance (for example, your clients take you
on a tour of the grounds and you twist your ankle by stepping in a
hole. That should be under their insurance, not yours.) But what kinds
of liabilities do you have as a straight consultant?

deb

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