Question for the weekend

[BAJR Host]

I have been asked to join a list of freelance archaeological contractors by a local authority. I understand that insurance is required to be included on the list. What kind of insurance do I need as a freelance archaeological contractor and roughly what might it cost?

"No job worth doing was ever done on time or under budget.."
Khufu

[deepdigger]

Do you really have time Mr Hosty?

deep

[beamo]

Public liability insurance - in case someone is injured as a result of your activities

Professional liability insurance - in case the client is left severely out of pocket as a result of your professional judgement being found to be completely useless.

Don't know about costs.


Beamo

[the invisible man]

As a contractor you will presumably require Employers Liability Insurance as well as Public Liabilty, but if you are only contracting, i.e. not providing professional advice, you may not require Prof Indemnity, I would hazard.

But the documention from the LA will surely detail exactly what insurance is required and the level of cover - otherwise you could take out insurance for your pet's vets bill and righlty claim you have insurance!

We owe the dead nothing but the truth.

[Alfie]

Hello David,
Well when I followed the Dark Side I needed professional Indemnity, Public Liability and employers liability. I found that a value of 5 million was sufficient for most jobs although some of the big boys will ask for a value of 10 million - 5 million cost me about £150 per month.

[BAJR Host]

Lovely.... I have to confess its not fer me.. tis for another person...

I was just making sure I got it right.. (just as well... seeing as I actually do have a contracting arm!)

Many thanks to everyone

"No job worth doing was ever done on time or under budget.."
Khufu