Re: contract insurance

Subject: Re: contract insurance
From: Brian Berry <BERRYTD -at- DELPHI -dot- COM>
Date: Wed, 7 Dec 1994 02:42:19 -0500

About insurance for contractors.

I believe this question is coming up because of the corporation's
response to the IRS 20-questions game.

I have dealt with this in some of my contracts. In general, I try to,
like Kevin, convince my contractors that such coverage is not needed.

I do, however, carry a million in liability (but definitely NOT omissions). I
also carry a policy to cover the fact that I occasionally transport expensive,
not my own, equipment.

Omissions, just the word, will make an insurance agent's eyes glaze. I don't
know of
any writer that carries such a policy. In my investigation, such a policy is not
only prohibitively expensive, it is only given for a specific, well defined,

Perhaps, as a group, contractors could convince the policy makers to make the
back off. Until then, be prepared to answer stupid questions by corporations
to apply their own interpretation to an inane tax law.


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