atw: Insurances 101
- From: Top Mark / Mark Lehmann <topmark@xxxxxxxxxxxxxxx>
- To: austechwriter list <austechwriter@xxxxxxxxxxxxx>
- Date: Thu, 24 Jun 2004 15:38:44 +1000
What are the current insurance requirements and recommendations for
Technical Writers working as INDEPENDENT contractors (that is, billing
the client directly for a monthly amount plus GST)?
Related questions in my foggy insurance lobe:
- Are insurances (Public Liability, Professional Indemnity, WorkCover, .
. .) LEGALLY required for TWs working as independent contractors? Which
ones?
- Does it depend on the client's requirements?
- Why would TWs need this cover?
- re hazards: Isn't it the client, not the writer, who's finally
responsible for anything written by a TW? I see TW as being different
from work done by, say, a programmer because the client can never
completely verify that a program is bug-free and therefore may be
dangerous, whereas the client CAN completely check that a document's
contents are not hazardous in any way.
- re loss: If the TW provides the client with a CD of all work to
date once a week, loss of files shouldn't be an issue. Should it?
- other: ???
- Why do clients (especially contracting agencies!) persist in requiring
this cover when [according to me] it's not necessary for TW contractors?
- Has anyone had occasion to use/need this cover?!!! What were the
circumstances?
- Can anyone recommend a company that provides these types of cover?
(I've read the thread "Insurance deal for ASTC members". It doesn't end
conclusively.)
I have disability insurance, life insurance, superannuation, home and
contents insurance, fire and theft insurance, mortgage insurance,
domestic public liability insurance, car insurance and trailer insurance
-- please tell me that's all I need!!!
Am I missing something?
Cheers,
Mark Lehmann
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