RE: Insurance Question

["Lauren" <lt34 -at- csus -dot- edu>]

Thanks Stuart.

I didn't think about what the client would expect.  I imagine that it could
be a selling point to say that I am fully insured.  Agencies around here
have started to level off their cut to around 40%, but that is slightly less
when they facilitate corp-corp contracts.  I think the low-end of their cut
is probably 33% and I have heard that it can get to 75%.  I want to avoid
the agencies, so I guess I should consider the full coverage.

Thanks again,

Lauren
 

> -----Original Message-----
> From: techwr-l-bounces+lt34=csus -dot- edu -at- lists -dot- techwr-l -dot- com 
> [mailto:techwr-l-bounces+lt34=csus -dot- edu -at- lists -dot- techwr-l -dot- com] On 
> Behalf Of Stuart Burnfield
> Sent: Sunday, May 06, 2007 11:22 PM
> To: techwr-l -at- lists -dot- techwr-l -dot- com
> Subject: Re: Insurance Question
> 
> Lauren, I have both GL and E&O insurance (called here Public 
> Liability 
> and Professional Indemnity). I'd be very surprised if I ever 
> need them.
> 
> Here's another way to think of it though: there are some 
> industries and 
> some employers who require this insurance. If you have it, you're in 
> their pool of potential contractors. If you don't have it, 
> you're not, 
> unless you go then through an agency that provides the 
> insurance cover 
> and takes a sizable cut of your fee.
> 
> So if you think that you might pick up a couple of extra 
> contracts, or 
> get some contracts at a better rate through going direct, then it may 
> more than pay for the premiums.
> 
> It all depends on your local circumstances.
> 
> Stuart
> 
> 
>  > Does anyone have any thoughts about whether I might 
> encounter a case
>  > where I would need insurance in excess of General Liability?
> ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
> 
> Create HTML or Microsoft Word content and convert to Help 
> file formats or 
> printed documentation. Features include support for Windows 
> Vista & 2007 
> Microsoft Office, team authoring, plus more.
> http://www.DocToHelp.com/TechwrlList
> 
> Now shipping: Help & Manual 4 with RoboHelp(r) import! New editor,
> full Unicode support. Create help files, web-based help and PDF in up
> to 106 languages with Help & Manual: http://www.helpandmanual.com
> 
> ---
> You are currently subscribed to TECHWR-L as lt34 -at- csus -dot- edu -dot- 
> 
> To unsubscribe send a blank email to 
> techwr-l-unsubscribe -at- lists -dot- techwr-l -dot- com
> or visit 
> http://lists.techwr-l.com/mailman/options/techwr-l/lt34%40csus.edu
> 
> 
> To subscribe, send a blank email to techwr-l-join -at- lists -dot- techwr-l -dot- com
> 
> Send administrative questions to admin -at- techwr-l -dot- com -dot-  Visit
> http://www.techwr-l.com/ for more resources and info.

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

Create HTML or Microsoft Word content and convert to Help file formats or 
printed documentation. Features include support for Windows Vista & 2007 
Microsoft Office, team authoring, plus more.
http://www.DocToHelp.com/TechwrlList

Now shipping: Help & Manual 4 with RoboHelp(r) import! New editor,
full Unicode support. Create help files, web-based help and PDF in up
to 106 languages with Help & Manual: http://www.helpandmanual.com

---
You are currently subscribed to TECHWR-L as archive -at- web -dot- techwr-l -dot- com -dot- 

To unsubscribe send a blank email to 
techwr-l-unsubscribe -at- lists -dot- techwr-l -dot- com
or visit http://lists.techwr-l.com/mailman/options/techwr-l/archive%40web.techwr-l.com


To subscribe, send a blank email to techwr-l-join -at- lists -dot- techwr-l -dot- com

Send administrative questions to admin -at- techwr-l -dot- com -dot-  Visit
http://www.techwr-l.com/ for more resources and info.