You can't do this with government clients. Insurance is mandatory. ck I've worked contract for more than a decade and have always convinced clients that as they are checking the work, I don't need liability insurance. I guess if I introduced a virus into their networks, there may be ramifications, but I reckon if I didn't write it, they have as much responsibility as me to ensure their protection is up-to-date - and I keep my AV software and definition files current. I don't have workers comp (as a working director, I don't need to) but do have income protection and various sickness and injury policies (more for my peace of mind) which have satisfied clients on the WC issue. Cheers, Terry Find local movie times and trailers on Yahoo! Movies. http://au.movies.yahoo.com ************************************************** To post a message to austechwriter, send the message to austechwriter@xxxxxxxxxxxxxx To subscribe to austechwriter, send a message to austechwriter-request@xxxxxxxxxxxxx with "subscribe" in the Subject field. To unsubscribe, send a message to austechwriter-request@xxxxxxxxxxxxx with "unsubscribe" in the Subject field. To search the austechwriter archives, go to www.freelists.org/archives/austechwriter To contact the list administrator, send a message to austechwriter-admins@xxxxxxxxxxxxx ************************************************** ______________________________________________________________________ This email has been scanned by the MessageLabs Email Security System. For more information please visit http://www.messagelabs.com/email ______________________________________________________________________ ************************************************** To post a message to austechwriter, send the message to austechwriter@xxxxxxxxxxxxxx To subscribe to austechwriter, send a message to austechwriter-request@xxxxxxxxxxxxx with "subscribe" in the Subject field. To unsubscribe, send a message to austechwriter-request@xxxxxxxxxxxxx with "unsubscribe" in the Subject field. To search the austechwriter archives, go to www.freelists.org/archives/austechwriter To contact the list administrator, send a message to austechwriter-admins@xxxxxxxxxxxxx **************************************************