Q: how many archaeologists does it take to ruin an industry?

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[SIZE=3]Argh! Insurance again:

Professional Indemnity: Covers you if (heaven forbid) you make a mistake in the professional services you have provided leading to a dispute with a client.

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I don?t bother with this as I cant for the life of me see where it might apply. I would love to know of any examples where it has been used by an archaeologist, particularly a field archaeologist and having said that I don?t know what you would want to pay for it?

[SIZE=3]Public Liability: Covers you against claims arising from members of the public (including trespassers and sub-contractors) standing on a badly positioned hoe and ending up with a face like Wile E Coyote.

[/SIZE]When I first went on my own the curators made it a clause in the brief that I had public indemnity insurance. As stated elsewhere I discovered that it seemed to be offered at a discount specifically for field archaeologists for members of the ifa and the cba. Having been a member of the ifa once and never again I elected to join the cba because they were cheaper. I carried this sycophantic membership for a year or two until I discovered that I did not need to have ever been a member to have undertaken the insurance. I still smart from the misunderstanding. I have take that smarting further to wonder why I would need it anyway and at what cost. I do not own the land on which I work and to my mind it they that should be concerned about insurance. It is my understanding that public liability can be used for damaging a clients property. This is a bit of a mute point as I probably was invited by the owner to undertake some activity that would result in damage so don?t see why I should be liable.

Again I would love to know of any specific cases

[SIZE=3]Employer's Liability: Covers you against claims from your own employees when they fall off the barrow run of death while laughing at the bloke with the hoe in his face.

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I don?t employ any body

[SIZE=3]'National Insurance' whether you've paid it or not doesn't come into it.

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Yes that right it doesn?t do what it says on the tin