insurance

[rcarpen at network1.net (Randy Carpenter)]

----- Original Message -----
> On Tue, 20 Sep 2011 07:59:00 EDT, harbor235 said:
> > Curious if anyone out there is acting as an independent contractor,
> > consultant,  or small business,
> > if so do you use professional liability insurance?
> 
> I don't consult myself, but is *anybody* crazy enough to do
> consulting
> in the litigation-crazy US without carrying errors-and-omissions
> insurance?

The reality is that with the mega-insurance companies able to set whatever crazy premiums they feel like, and raise them every other month, the cost of being fully insured is sometimes more than what you can charge as a consultant.

-Randy