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What kind of liability do you need to insure for? Software development contacts usually don't have a warranty of fitness, and should include standard hold harml

by gregjor 10y ago

What kind of liability do you need to insure for? Software development contacts usually don't have a warranty of fitness, and should include standard hold harmless and third-party indemnity language. A malpractice or damages claim would be unusual in the software dev business. Much more likely is breach of contract, if you are late or fail to deliver according to the contract. You will have a hard time finding any company willing to insure you for breach of contractual obligations. If you are worried about that you should form a corporation to clearly protect your personal assets and engage an attorney.

sean_patel 10y ago
Thanks. I think something in the lines of if the project gets delayed (in case of freelancing) or client is not 'happy' with the deliverables. In terms of the side project, it's a jobs listing website that I am curating from various feeds from monster etc. Would there be anything in that space I need to 'worry about'? Not doing anything illegal, but I've seen lot of Patent trolls and frivilous law suits, so it scares me. How much $ amount should I try to get for?
- gregjor 10y ago
  I'm not a lawyer. You should get legal advice. Liability insurance is for damages you or someone working for you causes, like knocking a server over or erasing a database. Freelancer vs. customer disputes over deliverables and schedule or payment generally lead to a breach of contract lawsuit, which I don't believe you can insure against except perhaps to limit damages. The best protection is to have a good contract, well-defined deliverables, and good communications with the customer. Curating content from other web sites sounds like a possible intellectual property problem. Just because something is freely available on the web doesn't mean it's not copyrighted IP. Also be aware that contracts, copyright, and IP are covered by state and federal law. A contract cannot override or nullify existing law.

by gregjor 10y ago

sean_patel 10y ago

Thanks. I think something in the lines of if the project gets delayed (in case of freelancing) or client is not 'happy' with the deliverables. In terms of the side project, it's a jobs listing website that I am curating from various feeds from monster etc. Would there be anything in that space I need to 'worry about'? Not doing anything illegal, but I've seen lot of Patent trolls and frivilous law suits, so it scares me. How much $ amount should I try to get for?

gregjor 10y ago
I'm not a lawyer. You should get legal advice. Liability insurance is for damages you or someone working for you causes, like knocking a server over or erasing a database. Freelancer vs. customer disputes over deliverables and schedule or payment generally lead to a breach of contract lawsuit, which I don't believe you can insure against except perhaps to limit damages. The best protection is to have a good contract, well-defined deliverables, and good communications with the customer. Curating content from other web sites sounds like a possible intellectual property problem. Just because something is freely available on the web doesn't mean it's not copyrighted IP. Also be aware that contracts, copyright, and IP are covered by state and federal law. A contract cannot override or nullify existing law.