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  1. #1
    Junior Member momtrck's Avatar
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    It is time to renew my errors and omissions policy again. Yikes. I am paying $1,000 annually with Acuity. I would be interested in hearing what the rest of you have found for coverage and if it is comparable. My insurance agent is a broker and a small business owner so he has looked around to find something/anything cheaper and hasn't had any leads. I told him I would reach out to this group and see what the rest of you are using. I have been in business for about 1 1/2 years so I am still working on start-up loans but I see great things for the upcoming year.

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  3. #2
    WDF Staff AlphaMare's Avatar
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    What on earth is an errors and omissions policy?
    Good design should never say "Look at me!"
    It should say "Look at this." ~ David Craib


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  4. #3
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    Erm... this is a web design forum. Unless you're referring to a mistake in a website causing loss or damage to somebody and them suing you, (or something like that), a lawyer or insurance specialist may be better qualified to answer your questions.

  5. #4
    Unpaid WDF Intern TheGAME1264's Avatar
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    I've never heard of that either. Maybe it's a US thing.
    If I've helped you out in any way, please pay it forward. My wife and I are walking for Autism Speaks. Please donate, and thanks.

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  6. #5
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    I'm in the US and I haven't heard of it, sorry.

  7. #6
    Senior Member Webzarus's Avatar
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    I heard something's about this years ago, having to deal with news publications. But only if you are under legal agreements with the AP or some other syndicated news sources.

    Also heard of a scam several years ago where people were being scammed into buying this insurance being told they could be sued by anyone if they posted something inaccurate on their web sites. Actually, in the US, you cannot be sued for content errors except if you are under some sort of legal contract with the content providers or affiliates.

    You can be sued under copyright laws if you re-distribute content that is copyrighted and you have not gotten permission to re- publish.

  8. #7
    Junior Member momtrck's Avatar
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    So sorry, I guess since I am self-employed as a web designer I just assume everyone else is in the same boat. I am from South Dakota in the US and been in business for 2 years and my insurance is creeping up so I wanted to hear from other designers who run their own business how they handle insurance. Again, I apologize and will take this question to a small business forum.

  9. #8
    Unpaid WDF Intern TheGAME1264's Avatar
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    No, it actually sounds like a legitimate question on the surface...if the insurance itself is legitimate. Given what WZ said, the advice I'd give you is to check into it more from a web point of view. it probably doesn't apply since 1) if you're building sites that your clients maintain, you don't write the content, 2) a standard website ToS policy has an "AS IS WHERE IS" clause in it that users accept as long as they use the site, and/or 3) a standard web contract stipulates that you'll deal with any errors for a period of X number of days following the launch of the site, after which it's the owner's issue.

    I wouldn't say it's a scam as such, but to me it falls under the context of "overinsurance" i.e. buying more insurance than you actually need. I'd suggest that if you want to cut costs, review ALL of your policies and reduce unnecessary costs and overlaps. For example, here in Ontario auto insurance offers extended benefits to drivers at an additional premium (loss of income, rehabilitation benefits, etc.) However, most of those benefits will not be paid out if the insured has additional benefits from say a company health plan. To continue the example, a lot of physio/rehab expenses are at least partly covered by group healthcare plans. Things like this can cut your premiums by 30-50%.
    If I've helped you out in any way, please pay it forward. My wife and I are walking for Autism Speaks. Please donate, and thanks.

    If someone helped you out, be sure to "Like" their post and/or help them in kind. The "Like" link is on the bottom right of each post, beside the "Share" link.

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  10. #9
    Senior Member Webzarus's Avatar
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    Insurance for what ? Be specific. Insurance for the business ? What type of insurance.

    Most of the designers here are freelance or self-employed in business.

    What requirements for insurance are you bound by in that state. In my state, insurance is optional, but in some localities ( cities & counties ), there are insurance requirements in relation to having a business liscense. But not all localities even require having a business liscense to operate unless you do a certain level of $$$ transactions. And that's only if the whole transaction is between businesses in the same locality.

    The city I live in requires an insurance bond equal to the amount of business you do with business's within the city limits. If I do business outside those city limits, insurance is not required. I know of another city nearby, that only requires a $150.00 business liscense fee per year to operate as a business, no insurance requirements at all. ( at least not for a self-employed web design business operating from home )....

    If you have a walk in establishment, that's a completely different story. There are state requirement for liablty insurance for any brick and mortar business but that varies based on what the business is and how the public will interact with the business. A car mechanic will have to pay more than an office operation.

    Most freelancers and self-employed designers I know, work from home, many are not require to even have a business liscense if all of their clients are virtual.

    So really not sure what type, kind of insurance you're talking about.

    Again, based on your original post, I had heard of a scam years ago about some shady companies creating some bogus "coverage limits" and approaching web developers telling them they were required to have insurance to keep people from suing them. I guess since I live in a right to work state, probably why I was never approached by any.

  11. #10
    Senior Member Fireproofgfx's Avatar
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    I live in the U.S. and have a web and graphic designer business license and am the sole proprietor and I still don't know what he is talking about.... lol..


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