24 October 2006
in the biz: the uninsurable web?
Small business panic moment #1: finding out that our insurance company isn’t our insurance company anymore. Apparently Underwriting had a problem with our policy. That problem? We do web design.
The logic (if you could call it that) goes like this: it’s all fine and nice if a client walks into our office, trips over a cord and breaks a leg; that’s old hat and therefore insurable. But if we create a site for said client while his bones are on the mend and that site somehow malfunctions and drains the client’s bank account? The folks in Underwriting don’t want to touch that. (Plus, web designers eat babies. Everyone knows that.)
What to do now? Well, for one thing, we want to make sure we ask the right questions next time we meet with an insurance agent. What You Should Know About Insurance by Leonard D. DuBoff (on the Communication Arts website) is proving to be an invaluable resource, but we’d like to hear from people who have been there and done that. Any advice?
