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

[Marc]

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.

[Sylwia Vargas]

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

[Marc]

Haha, yes you're right

[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.