Re: Questions about professional liability (errors & omissions) insurance for independent consultants

[Monique Semp <monique -dot- semp -at- earthlink -dot- net>]

   Hmm... When I look at my policy, I see that they've put my occupation
   as "Research Consulting", which seems very weird. But that's what they
   did.
   ----
   Looking at my original application, it was from "ACE American Insurance
   Company", and is called "Computer and Technology Products and Services
   Professional Liability New Business Application". So I guess they
   didn't classify me as a "writer" but as a provider of computer and
   technology products/services. And then in the section of the
   application that asked for the percentage of the company's annual
   revenue for a big long list of services, I put 100% in the "Technical
   Writing" spot that was listed under "Instructional Services".
   So perhaps call them up again and explain that this is what you're
   looking for? But then again, I got it back in 2014, so who knows if
   they've changed things.
   HTH,
   -Monique

   On 2/13/19 11:56 AM, Brett Peruzzi wrote:

   That's interesting - Hiscox told me they don't cover writers, after I
   called for more info after filling out their online quote form on which
   I had selected marketing, since I plan to do some marketing writing as
   well as tech writing, and tech writing wasn't one of the drop-down
   choices.

   I wonder if their rep was thinking I was for example a novelist, and
   that's the type of writer they don't cover, even though I specifically
   said technical writer.
     __________________________________________________________________

   From: Monique Semp [1]<monique -dot- semp -at- earthlink -dot- net>
   Sent: Wednesday, February 13, 2019 2:48 PM
   To: Brett Peruzzi; [2]techwr-l -at- lists -dot- techwr-l -dot- com
   Subject: Re: Questions about professional liability (errors &
   omissions) insurance for independent consultants

   I have this insurance, through Hiscox. The price is somewhat based on
   one's gross earnings. (Well, if you're an incorporated company. Not
   sure how it works for 1099s workers or workers who are W2 through a
   regular full-time employment situation.)
   They've been easy to deal with, and the automatic billing is totally as
   expected. And they do offer it for tech writers, which is somewhat of a
   rarity I believe.
   I've not ever had to file a claim. I got it only because one client a
   number of years ago insisted. And I was required to keep it for two
   years after I left that client. I've continued to carry it 'cause I'm
   very conservative about insurance, and because I'm looking at only 5
   more years, so not such an enormous expense.
   -Monique

References

   1. mailto:monique -dot- semp -at- earthlink -dot- net
   2. mailto:techwr-l -at- lists -dot- techwr-l -dot- com
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