Liability insurance

[Siliconwriter <siliconwriter -at- comcast -dot- net>]

Fellow scribes:

I've been a contractor/freelancer for a couple of years now, but for  
the first time I am being asked to provide a certificate showing that I  
am covered by liability insurance. This is apparently the much  
ballyhooed "errors and omissions" coverage I've read about.

What's the story on this? Do any of my fellow freelancers routinely  
carry this insurance?
How much does it cost you? (I've seen quotes of up to $4000 to carry $1  
million in liability, which seems to be the standard request.)
Have you ever successfully negotiated your way out from under this  
requirement by adding an indemnification clause to your contract?

I think it is terribly unfair to hold the writer responsible for errors  
and omissions caused by developers' outright refusal to spend the time  
reviewing the documentation. I was hoping I could renegotiate my  
contract to add a clause which put the responsibility on the client for  
making sure all reviews were carried out in a timely manner. For one  
thing, I was planning to sign over all copyrights at the end of my  
contract, and I could concievably require that the client hand ME a  
quitclaim against all lawsuits for errors and omissions. Has anyone  
else ever done something like this?

Comments? This is bugging me.

!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!- 
!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!-!
"Be a scribe! Your body will be sleek, your hand will be soft. You are  
one who sits grandly in your house; your servants answer speedily; beer  
is poured copiously; all who see you rejoice in good cheer. Happy is  
the heart of him who writes; he is young each day."--Ptahhotep, 4500 BCE

         Sarah Stegall                  munchkyn at munchkyn dot com


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