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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