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View Full Version : When Having Insurance Pays Off


ChicagoRob
07-27-2010, 02:08 PM
I haven't seen any recent posts about this and I didn't want to bump a really old one, but my question is this --

I'm currently looking into all of my liability/E&O coverage options, and yes I understand it's absolutely necessary and I'm going to get covered regardless, but I was curious if anyone here has had a situation where being insured has really saved their @ss?

Someone fell and broke their wrist in your shop?
Client sues you claiming you hosed their HD?

Or do you live on the wild side and go without insurance, relying on the disclaimers on your paperwork to cover your rear?

ell
07-27-2010, 02:27 PM
I haven't seen any recent posts about this and I didn't want to bump a really old one, but my question is this --

I'm currently looking into all of my liability/E&O coverage options, and yes I understand it's absolutely necessary and I'm going to get covered regardless, but I was curious if anyone here has had a situation where being insured has really saved their @ss?

Someone fell and broke their wrist in your shop?
Client sues you claiming you hosed their HD?

Or do you live on the wild side and go without insurance, relying on the disclaimers on your paperwork to cover your rear?

I work out of my home and don't let customers past the entry, I have no added insurance but have a huge disclaimer they all sign on my work order.

Corbin
07-27-2010, 05:08 PM
Insurance is for the weak its all about being the lion in the jungle, when I get a shop insurance is a must, but I cureently don't have it. My disclaimer has been looked over by 2 different attorneys (for free) and they said it can and will hold up in court, just haven't had the chance to test it yet.

ell
07-27-2010, 05:11 PM
Insurance is for the weak its all about being the lion in the jungle, when I get a shop insurance is a must, but I cureently don't have it. My disclaimer has been looked over by 2 different attorneys (for free) and they said it can and will hold up in court, just haven't had the chance to test it yet.

would you mind pasting your disclaimer here so I can compare it to mine???

Corbin
07-27-2010, 05:22 PM
Ya as soon as I get near my computer ill copy and paste it, it flat out says I am not liable no matter what if I'm fixing something and something else brakes, and if the owner is relucnent enough to ignore a failing part I am not liable, and it also says if your to stupid to realize to fix it when its first noted then you can go set on a parking cone.

ell
07-27-2010, 05:24 PM
Ya as soon as I get near my computer ill copy and paste it, it flat out says I am not liable no matter what if I'm fixing something and something else brakes, and if the owner is relucnent enough to ignore a failing part I am not liable, and it also says if your to stupid to realize to fix it when its first noted then you can go set on a parking cone.

:D LOL so true, I have one like that now!

Jay85
07-27-2010, 05:26 PM
Corbin your disclaimer doesnt really say that does it coz if it did that wuld be so friggin cool.

Can you tell a client like a week later that the reason the comps not working is coz they F****ed it up again? why are we technicians always the scape goat?