RE: Insurance for Contract Technical Writers?

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

Hey PT,

The insurance coverage you mention is the minimum for the coverage that I
looked at, but the premium minimum was $350 for the year and that could
include more coverage, so the agent jacked up some stuff to $2M and added
things that I might not ever need.  If you go through a recruiter as a W-2
employee, then they would carry the insurance, but your rate would be lower
and you wouldn't have as many tax deductions.

If you are seriously considering going 1099 with your own insurance, then
get quotes for minimum coverage and see what your options are.  Your class
as a technical writer is probably "author."  At least it is with The
Hartford.  Sometimes, insurance agents need to know how to classify your
status.

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 Pro TechWriter
> Sent: Monday, August 20, 2007 1:33 PM
> To: techwr-l -at- lists -dot- techwr-l -dot- com
> Subject: Insurance for Contract Technical Writers?
> 
> Please forgive me, I know this topic may have been discussed 
> already, but I
> can't seem to find it.  (I was laid off of my "employee" job 
> the last week
> of July. So, I am looking for, and finding, some 1099 contract work.)
> 
> One company I am thinking of working with sent me a contract 
> for technical
> writing services for what is essentially help desk policies 
> and procedures
> with these insurance requirements:
> 
>    - General liability: $1 million per occurrence for services and
>    project
>    - Professional liability: $1 million per occurrence
>    - Comprehensive automobile liability: $1 million per occurrence
> 
> This seems, to say the least, excessive to me, because:
> 
>    - The documentation is for internal team process and procedures,
>    nothing critical
>    - My company is a sole proprietorship; no other employees are
>    - I will not be delivering anything, moving things from 
> one place to
>    another, or having any other people from this job in my car.
> 
> This is for a huge corporation, but they use a recruiting 
> company to handle
> 1099 contractors like me.
> 
> Any experience with these issues as an independent would be very much
> appreciated.
> 
> TIA,
> PT
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