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.

Marc

American Conservation Consortium, Ltd.
     4 Rockville Road
     Broad Brook, CT 06016
     www.conservator.com <http://www.conservator.com/>
     860-386-6058

> -----Original Message-----
> From: Museum discussion list [mailto:[log in to unmask]]On
> Behalf Of Tracy Sullivan
> Sent: Wednesday, July 02, 2008 11:40 AM
> To: [log in to unmask]
> Subject: Re: [MUSEUM-L] Consulting & insurance
>
>
> Good to know! I just got a contract that stipulates I carry
> liability insurance.
> If it isn't an industry standard, I will let them know that.
> (They used a generic
> contract that they use for everyone from IT folks to marketing
> consultants).
>
> Thanks!
>
> =========================================================
> Important Subscriber Information:
>
> The Museum-L FAQ file is located at
> http://www.finalchapter.com/museum-l-faq/ . You may obtain
> detailed information about the listserv commands by sending a one
> line e-mail message to [log in to unmask] . The body of
> the message should read "help" (without the quotes).
>
> If you decide to leave Museum-L, please send a one line e-mail
> message to [log in to unmask] . The body of the message
> should read "Signoff Museum-L" (without the quotes).
>
>

=========================================================
Important Subscriber Information:

The Museum-L FAQ file is located at http://www.finalchapter.com/museum-l-faq/ . You may obtain detailed information about the listserv commands by sending a one line e-mail message to [log in to unmask] . The body of the message should read "help" (without the quotes).

If you decide to leave Museum-L, please send a one line e-mail message to [log in to unmask] . The body of the message should read "Signoff Museum-L" (without the quotes).