Contracting question - Left old company, but still provide support.

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Contracting question - Left old company, but still provide support.

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Brandie Tarvin

Posted Monday, January 14, 2008 4:09 AM

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Question on the insurance issue. Are you guys just talking about health insurance or other kinds of insurance?

What if you're a FTE someplace else (with health insurance) and doing occasional contract work on the side? Do you still recommend getting a separate insurance policy?

Brandie Tarvin, MCITP Database Administrator, MCDBA, MCSA

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Steve Jones - SSC Editor

Posted Monday, January 14, 2008 7:47 AM

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Thre's other insurance. Workman's comp, payment if you get injured on the job, isn't provided. Possibly you could sue the company, but this is basic insurance that every business with employees is mandated to provide.

There's also disability. someone drops a monitor on your fingers and you can't type, you need income. Most employers provide this, but if you're on your own, it's something to think about.

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Matt Miller (#4)

Posted Monday, January 14, 2008 8:04 AM

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I was referring to "Professional insurance" and what is often referred to as Errors and Omissions insurance. Professional is the one covering the server you might knock over; E & O is the one covering you when your program should cause an "ouch" to someone's data while working on their stuff. You really might care to consider it if you're working on someone else's systems for long periods of time, especially if you're diong this by yourself.

No matter how good your code is - you can still get sued, especially if you're in there fixing a timebomb of a system. Just being the last one in front of the keyboard when the system goes to hell might be why. For the same reasons you might want to incorporate (as in - keeping the books separate, and keeping your house if something goes "bad" and you get sued), E & O will save your bacon if your bacon is in the pan.

I've had more clients require Professional insurance coverage than anything, followed by Workers' compensation. Disability is your issue so they don't "care" about that.

The other ones are definitively critical as well - I just think of them as non-negotiable, so I kind of take them as granted. As outrageously priced as it seems to be - going without health insurance is, well - stupid with a capital S (when it's within your control of course). If you're employed at all - get covered and stay covered.

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Steve Jones - SSC Editor

Posted Monday, January 14, 2008 8:28 AM

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Ah, good one Matt. Yep, that's needed.

My training company recently sent someone to a large company and they required $1M of E&O insurance. It wasn't too expensive, a few hundred $$ a year, but it can be worth it if something goes wrong.

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Dave-148053

Posted Monday, January 14, 2008 9:45 AM

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Another form of "insurance" that shouldn't be overlooked is a formal contract of some kind that spells out exactly what you will be doing for the customer. That avoids (some of) the finger pointing that will occur when/if something goes wrong. If you're only supporting the XYZ system, state that. If you're not touching the production system, state that. It could keep the lawyers at bay later.

There is no "i" in team, but idiot has two.

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