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Discussion on: Freelancers: are you using liability insurance? Which one?

marcradziwill profile image

Hey Sylwia,

yes, but the insurance components are limited in the damage amount.

The special insurance condition for IT companies includes the following:

  • Installation and implementation damage
  • Re-implementation costs
  • Damage due to unauthorized access from outside (including damage in the area of ​​payment or billing transactions)
  • Financial loss from the violation of commercial property rights and copyrights
  • Damage due to breach of data protection laws
  • Damage due to faulty software or faulty services or other services
  • Damage due to software viruses and other malicious software
  • Damage due to violation of personal and naming rights violations

Fortunately, I've never had to use it and I probably wouldn't need all of the conditions.

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sylwiavargas profile image
Sylwia Vargas Author

Thank you! I don’t envision that I’d have to use it but then again, no one does :)

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marcradziwill profile image

Haha, yes you're right

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michaelmathy profile image
Michael Mathy

I have the same insurance and the coverage depends of the price you pay for.

As Marc, in 20 years, I have never used it and also, if it would be the case, I always have emails or paper signed which prove that the client has tested first the application and did not see any bugs.
I think it also diminish when my insurance will be in use.

But I have also another insurance more like my family insurance for instance for all the damage I could also do during my work but not directly related with my work.
For instance, by accident, I push a printer out of a table and break it.