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The insurance they refer to is probably errors and omissions insurance. This
allows them to recover any damages they suffer as a result of your work. You
can get this coverage through your home owners, although many insurance
vendors require you to have all of your insurance (home owners, car) with
them in order to add the umbrella coverage. I pay less than $300 a year for
$3m coverage.
There are also a number of sites on the web, such as ework.com,
freeagent.com, and others who will act as employer of record and make it
possible to get group rates for insurance and will handle all of the
financial site of things, such as invoicing, taxes, and such. They take a
percentage of gross as a fee, but they do not charge the rates charged by an
agency who is also in the business of sourcing talent. This also means you
free up hours you would have spent on bookkeeping for billable work.
If you want to freelance and protect your personal assets, you have to get
insurance coverage. If you do not, you face the possibility of losing your
everything of value you own. I do not think that risk is worth it.
I am faced with a recent situation and I need something that I'm sure all
of us tech writer-types have plenty of...an opinion and some advice. I just
interviewed for an Oil and Gas company and I'm very interested in working
there. Now, I am trying to go independent and wanted to do so here but,
they told me I need to have the "2 million dollar" insurance and suggested
I go through a temp agency, and gave me a list.
Now, I have never worked for a temp agency and personally don't like the
idea of someone else making money off of my work. I don't need benefits,
just money. However, is there a way I can get my own insurance? This is
something like Workers Comp insurance or being bonded, I'm not sure. I plan
to make more phone calls today and find out.
If anyone out there has experienced this please let me know the best course
of action.
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