Independent contractor / avoiding liability insurance [closed]

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California recognizes independent contracts as being independent of their employer. Assuming one qualifies (e.g. several clients, independence, ...), my client is getting worried about liability insurance.

I don't think they are worried about my work product causing a problem. I think they are worried about being sued by me if I get injured.

Seems silly to me. We all have many opportunities to sue. However, my understanding is that injury on the job is all my problem. In other words, I can sue them just like a customer could sue them for getting hurt on their property. However, if they hurt me on the job, then my liability insurance won't come into play; it is their liability insurance that is at stake.

What benefit would an employer gain from my liability coverage other than errors and omissions or similar?

contractors insurance

share|improve this question

asked Sep 5 '16 at 20:47

user3533030

56525

closed as off-topic by The Wandering Dev Manager, Justin Cave, Jane S♦ Sep 5 '16 at 21:26

This question appears to be off-topic. The users who voted to close gave this specific reason:

• "Questions seeking advice on company-specific regulations, agreements, or policies should be directed to your manager or HR department. Questions that address only a specific company or position are of limited use to future visitors. Questions seeking legal advice should be directed to legal professionals. For more information, click here." – The Wandering Dev Manager, Justin Cave, Jane S

If this question can be reworded to fit the rules in the help center, please edit the question.

• 
  
  
  

  
  2
  

  
  
  
  
  
  

  
  Likely they get sued, insurance pays out, then claims YOUR insurance if you are responsible, but get real advice, legal advice is off topic here, voting to close.
  – The Wandering Dev Manager
  Sep 5 '16 at 21:18
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  This is not a question for an employer. It is a question for other Independent Contractors. If we ran our lives by lawyers, we'd do nothing. I want advice regarding the pro's / con's from real contractors with real experiences.
  – user3533030
  Sep 5 '16 at 22:00
  

  
  
  
  


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  So what happens if you hurt one of their employees?
  – Simon B
  Sep 5 '16 at 22:09
  

  
  
  
  


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  Fair response. That is likely a situation where your liability policy may pay off.
  – user3533030
  Sep 5 '16 at 22:15
  

  
  
  
  


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  1
  

  
  
  
  
  
  

  
  errors and omissions is not a little thing. Imagine that you (with the best of intentions) made a mistake that costs your employer $200.000, and when they sue you, you don't have that money. If you are not insured your employer is left on the hook.
  – SJuan76
  Sep 5 '16 at 23:50
  

  
  
  
  

 | 
show 2 more comments

up vote
2
down vote

favorite

California recognizes independent contracts as being independent of their employer. Assuming one qualifies (e.g. several clients, independence, ...), my client is getting worried about liability insurance.

I don't think they are worried about my work product causing a problem. I think they are worried about being sued by me if I get injured.

Seems silly to me. We all have many opportunities to sue. However, my understanding is that injury on the job is all my problem. In other words, I can sue them just like a customer could sue them for getting hurt on their property. However, if they hurt me on the job, then my liability insurance won't come into play; it is their liability insurance that is at stake.

What benefit would an employer gain from my liability coverage other than errors and omissions or similar?

contractors insurance

share|improve this question

asked Sep 5 '16 at 20:47

user3533030

56525

closed as off-topic by The Wandering Dev Manager, Justin Cave, Jane S♦ Sep 5 '16 at 21:26

This question appears to be off-topic. The users who voted to close gave this specific reason:

• "Questions seeking advice on company-specific regulations, agreements, or policies should be directed to your manager or HR department. Questions that address only a specific company or position are of limited use to future visitors. Questions seeking legal advice should be directed to legal professionals. For more information, click here." – The Wandering Dev Manager, Justin Cave, Jane S

If this question can be reworded to fit the rules in the help center, please edit the question.

• 
  
  
  

  
  2
  

  
  
  
  
  
  

  
  Likely they get sued, insurance pays out, then claims YOUR insurance if you are responsible, but get real advice, legal advice is off topic here, voting to close.
  – The Wandering Dev Manager
  Sep 5 '16 at 21:18
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  This is not a question for an employer. It is a question for other Independent Contractors. If we ran our lives by lawyers, we'd do nothing. I want advice regarding the pro's / con's from real contractors with real experiences.
  – user3533030
  Sep 5 '16 at 22:00
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  So what happens if you hurt one of their employees?
  – Simon B
  Sep 5 '16 at 22:09
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  Fair response. That is likely a situation where your liability policy may pay off.
  – user3533030
  Sep 5 '16 at 22:15
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  errors and omissions is not a little thing. Imagine that you (with the best of intentions) made a mistake that costs your employer $200.000, and when they sue you, you don't have that money. If you are not insured your employer is left on the hook.
  – SJuan76
  Sep 5 '16 at 23:50
  

  
  
  
  

 | 
show 2 more comments

up vote
2
down vote

favorite

up vote
2
down vote

favorite

California recognizes independent contracts as being independent of their employer. Assuming one qualifies (e.g. several clients, independence, ...), my client is getting worried about liability insurance.

I don't think they are worried about my work product causing a problem. I think they are worried about being sued by me if I get injured.

Seems silly to me. We all have many opportunities to sue. However, my understanding is that injury on the job is all my problem. In other words, I can sue them just like a customer could sue them for getting hurt on their property. However, if they hurt me on the job, then my liability insurance won't come into play; it is their liability insurance that is at stake.

What benefit would an employer gain from my liability coverage other than errors and omissions or similar?

contractors insurance

share|improve this question

asked Sep 5 '16 at 20:47

user3533030

56525

California recognizes independent contracts as being independent of their employer. Assuming one qualifies (e.g. several clients, independence, ...), my client is getting worried about liability insurance.

I don't think they are worried about my work product causing a problem. I think they are worried about being sued by me if I get injured.

Seems silly to me. We all have many opportunities to sue. However, my understanding is that injury on the job is all my problem. In other words, I can sue them just like a customer could sue them for getting hurt on their property. However, if they hurt me on the job, then my liability insurance won't come into play; it is their liability insurance that is at stake.

What benefit would an employer gain from my liability coverage other than errors and omissions or similar?

contractors insurance

share|improve this question

asked Sep 5 '16 at 20:47

user3533030

56525

share|improve this question

share|improve this question

asked Sep 5 '16 at 20:47

user3533030

56525

asked Sep 5 '16 at 20:47

user3533030

56525

asked Sep 5 '16 at 20:47

user3533030

56525

56525

closed as off-topic by The Wandering Dev Manager, Justin Cave, Jane S♦ Sep 5 '16 at 21:26

This question appears to be off-topic. The users who voted to close gave this specific reason:

• "Questions seeking advice on company-specific regulations, agreements, or policies should be directed to your manager or HR department. Questions that address only a specific company or position are of limited use to future visitors. Questions seeking legal advice should be directed to legal professionals. For more information, click here." – The Wandering Dev Manager, Justin Cave, Jane S

If this question can be reworded to fit the rules in the help center, please edit the question.

closed as off-topic by The Wandering Dev Manager, Justin Cave, Jane S♦ Sep 5 '16 at 21:26

This question appears to be off-topic. The users who voted to close gave this specific reason:

• "Questions seeking advice on company-specific regulations, agreements, or policies should be directed to your manager or HR department. Questions that address only a specific company or position are of limited use to future visitors. Questions seeking legal advice should be directed to legal professionals. For more information, click here." – The Wandering Dev Manager, Justin Cave, Jane S

If this question can be reworded to fit the rules in the help center, please edit the question.

• 
  
  
  

  
  2
  

  
  
  
  
  
  

  
  Likely they get sued, insurance pays out, then claims YOUR insurance if you are responsible, but get real advice, legal advice is off topic here, voting to close.
  – The Wandering Dev Manager
  Sep 5 '16 at 21:18
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  This is not a question for an employer. It is a question for other Independent Contractors. If we ran our lives by lawyers, we'd do nothing. I want advice regarding the pro's / con's from real contractors with real experiences.
  – user3533030
  Sep 5 '16 at 22:00
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  So what happens if you hurt one of their employees?
  – Simon B
  Sep 5 '16 at 22:09
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  Fair response. That is likely a situation where your liability policy may pay off.
  – user3533030
  Sep 5 '16 at 22:15
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  errors and omissions is not a little thing. Imagine that you (with the best of intentions) made a mistake that costs your employer $200.000, and when they sue you, you don't have that money. If you are not insured your employer is left on the hook.
  – SJuan76
  Sep 5 '16 at 23:50
  

  
  
  
  

 | 
show 2 more comments

• 
  
  
  

  
  2
  

  
  
  
  
  
  

  
  Likely they get sued, insurance pays out, then claims YOUR insurance if you are responsible, but get real advice, legal advice is off topic here, voting to close.
  – The Wandering Dev Manager
  Sep 5 '16 at 21:18
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  This is not a question for an employer. It is a question for other Independent Contractors. If we ran our lives by lawyers, we'd do nothing. I want advice regarding the pro's / con's from real contractors with real experiences.
  – user3533030
  Sep 5 '16 at 22:00
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  So what happens if you hurt one of their employees?
  – Simon B
  Sep 5 '16 at 22:09
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  Fair response. That is likely a situation where your liability policy may pay off.
  – user3533030
  Sep 5 '16 at 22:15
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  errors and omissions is not a little thing. Imagine that you (with the best of intentions) made a mistake that costs your employer $200.000, and when they sue you, you don't have that money. If you are not insured your employer is left on the hook.
  – SJuan76
  Sep 5 '16 at 23:50
  

  
  
  
  

2

2

Likely they get sued, insurance pays out, then claims YOUR insurance if you are responsible, but get real advice, legal advice is off topic here, voting to close.
– The Wandering Dev Manager
Sep 5 '16 at 21:18

Likely they get sued, insurance pays out, then claims YOUR insurance if you are responsible, but get real advice, legal advice is off topic here, voting to close.
– The Wandering Dev Manager
Sep 5 '16 at 21:18

This is not a question for an employer. It is a question for other Independent Contractors. If we ran our lives by lawyers, we'd do nothing. I want advice regarding the pro's / con's from real contractors with real experiences.
– user3533030
Sep 5 '16 at 22:00

This is not a question for an employer. It is a question for other Independent Contractors. If we ran our lives by lawyers, we'd do nothing. I want advice regarding the pro's / con's from real contractors with real experiences.
– user3533030
Sep 5 '16 at 22:00

So what happens if you hurt one of their employees?
– Simon B
Sep 5 '16 at 22:09

So what happens if you hurt one of their employees?
– Simon B
Sep 5 '16 at 22:09

Fair response. That is likely a situation where your liability policy may pay off.
– user3533030
Sep 5 '16 at 22:15

Fair response. That is likely a situation where your liability policy may pay off.
– user3533030
Sep 5 '16 at 22:15

1

1

errors and omissions is not a little thing. Imagine that you (with the best of intentions) made a mistake that costs your employer $200.000, and when they sue you, you don't have that money. If you are not insured your employer is left on the hook.
– SJuan76
Sep 5 '16 at 23:50

errors and omissions is not a little thing. Imagine that you (with the best of intentions) made a mistake that costs your employer $200.000, and when they sue you, you don't have that money. If you are not insured your employer is left on the hook.
– SJuan76
Sep 5 '16 at 23:50

 | 
show 2 more comments

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